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Insurers refuse cover after post-natal case

A broker has criticised Legal & General and Norwich Union after they refused to provide term cover for a pregnant woman who had previously had post-natal depression.

The Mortgage Practitioner sole practitioner Danny Lovey says the case is under consideration with another firm after it was rejected by L&G and NU.

He says: “What annoyed me was that it was a categorical no. Surely, it should be judged case by case, particularly because my client is a doctor and her husband is a doctor, so any problem would be promptly recognised and treated. It just seemed unreasonable.”

Chartered health psychologist Dr Ellen Goudsmit says 10 to 15 per cent of mothers suffer from post-natal depression and the risk is slightly higher if the woman has done so before.

L&G spokesman Joe Wiggins says: “We certainly do not have any policy to restrict cover. If the client was refused cover, it does not mean it was because of post-natal depression. There was probably more to it.”

NU chief underwriter Tony Jupp says: “I would have hoped we would certainly have looked at the individual situation. I am sorry if that is not what happened in this circumstance.”

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