Treatment of Mental Illness – Underwriting and Claims

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Our latest poll is based on a recent finding that 25% of people who have experienced mental illness will not tell their insurer.

At a time when community attitudes towards mental illness appear to be maturing, we are interested to know how well you believe your preferred insurance providers are currently dealing with mental illness at underwriting and claim time:

Are you generally satisfied with how your preferred insurers manage underwriting and claims processes for Australians where mental illness is a factor?

The finding that 25% of people who have experienced mental illness will not inform their insurer is taken from a survey on the recently-launched Mental Health and Insurance website service (see our story: New Initiative Assisting Mentally Ill Deal With Insurance).  This new service aims to ensure that fair and equitable access to appropriate information is given to those with a history of mental illness when dealing with insurance companies.

In your experience, do you think Australians with mental illness are given enough information and afforded appropriate empathy when dealing with insurers? Are they able to properly engage with life companies on insurance applications and claims?  Or do you feel there is more that can be done to enhance existing processes and communications for the benefit of both the insured and the insurer in this sensitive area?

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