促进内心的平静：心理健康和保险

I PROMOTING PEACE OF MIND:Mental health and insuranceAdrita Bhattacharya-CravenDirector Health and Ageing, The Geneva AssociationCore technical advisors and key contributors:Samuel F. MikailDirector Mental Health Solutions(Central/Atlantic Canada, Integrated Health Solutions), Sun Life FinancialMyralini Santhira ThesanMedical Director, Group Health and Wellness Transformation, AIA GroupSteve WohChief Medical Officer and Claims Manager, Global Health,Reinsurance Group of America (RGA) The Geneva AssociationThe Geneva Association was created in 1973 and is the only global association of insurancecompanies; our members are insurance and reinsurance Chief Executive Officers (CEOs).Based on rigorous research conducted in collaboration with our members, academicinstitutions and multilateral organisations, our mission is to identify and investigate keytrends that are likely to shape or impact the insurance industry in the future, highlightingwhat is at stake for the industry; develop recommendations for the industry and forpolicymakers; provide a platform to our members and other stakeholders to discuss thesetrends and recommendations; and reach out to global opinion leaders and influentialorganisations to highlight the positive contributions of insurance to better understandingrisks and to building resilient and prosperous economies and societies, and thus a moresustainable world.Geneva Association publications:Pamela Corn, Director CommunicationsHannah Dean, Editor and Content ManagerPetr Neugebauer, Digital Media ManagerSuggested citation: The Geneva Association. 2023.Promoting Peace of Mind: Mental health and insurance.Author: Adrita Bhattacharya-Craven. February.© The Geneva Association, 2023 All rights reservedwww.genevaassociation.orgPhoto credits:Cover page – Daniel Mingook Kim on Unsplash 2 ForewordExecutive summary1.Introduction2.Defining mental health and the scale of the mental health burden2.1What do we mean by mental health?2.2The burden of poor mental health2.3Just the tip of the iceberg?3.The cost of poor mental health3.1The economic toll3.2The non-monetary cost to individuals3.3The toll on health system capacity post-pandemic3.4The cost to insurers4.Mental health and insurance4.1The interface between insurance and mental health4.2Exogenous factors affecting the insurability of mental health4.3Endogenous factors impeding mental health insurability5.Recommendations and concluding remarks5.1Decide on the parameters for the benefits package5.2Engage to improve uptake of services5.3Optimise operating models5.4Concluding remarksReferencesContents 56911121417181920212224252830343637383940 ACKNOWLEDGEMENTSWe extend our deepest gratitude to the following key informants:•Eric Baluya,Senior Claims Expert, Life and Health, Global Center of Competence Life, Allianz•Andrew Beevors,Chief Claims Officer, MLC Life Insurance•Alfred Beil,Group Chief Medical Officer, Head of Claims & Underwriting, AXA•Erin Crump,Vice President, Business Initiatives, RGA•Lucy Hartley,Claims Service Manager, Vice President Life & Health Business Management, Swiss Re•Jaime Herrera Muñoz,Vice President Health, MAPFRE•Darren Jones,Vice President, Life & Health Products, Swiss Re•Krithika Kalyan,Director of Strategic Development in Health, AXA•Niti Pall,Senior Consultant, Digital Health Team, AXA•Shilpa Ratti,Head of Specialist Claims, MLC Life Insurance•Wolfgang Seidl,Partner, Workplace Health Consulting Leader, Mercer Marsh Benefits•Alban Senn,Chief Medical Officer Head of Medical Research & Development, Munich Re•Matt Singleton,Global Product Innovation Manager & Vice President, Life & Health Products, Swiss Re•Olivia Turan,Head of Health and Accident Insurance, Vienna Insurance Group•Gordon Watson,CEO, AXA Asia & Africa•Andres Webersinke,Global Chief Underwriting Officer, Life/Health, Gen ReThis publication is a product of the Health & Ageing work stream of The Geneva Association (GA),cosponsored by Thomas Buberl, CEO of AXA, and Michel Khalaf, CEO of MetLife. In addition, we arevery much indebted to members of the working group, established in support of the research activitiesof the GA’s Health & Ageing work stream, who guided the development of this report at every stage.They include Paul Lloyd and Christian Wards (AIA), Lukas Junker (Allianz), Hélène Chauveau (AXA),Peter Johnstone (Chubb), Noriyoshi Hosokawa and Jiro Kamiko (Dai-ichi Life), Bárbara Campos Faria(Fidelidade), Michele Rendine and Antonio Salera (Generali), Richard Jackson (Global Aging Institute),Cesar Becerril Marijuan (MAPFRE), David Jaffe and Ben Cushman (MetLife), Achim Regenauer (Partner Re),Frederico Spagnoli (Prudential Financial), Dave Jones (Sun Life), Klaus Muehleder (VIG),Toshi Takase (Nippon Life) and Pilar Lindín Soriano (Vida Caixa).We also would like to acknowledge the support received from Augustine Allain-Lebonand Pieralberto Treccani. 4 Foreword Poor mental health is not a new phenomenon, but the surge in mental illness linked toCOVID-19 has