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  • Improvements to AIA's Mental Health Underwriting Guidelines

    24 October 2019


    According to beyond blue, one in seven Australians will experience depression and one quarter will experience an anxiety condition in their lifetime[1].

    Statistics as the above are why we are pleased to advise that we have been working closely with our treaty reinsurer on our mental health underwriting guidelines and philosophy and have recently made some changes to our approach.

    Our aim with the new approach is to improve the insurability of mild cases of depressive and anxiety disorders and actuarially justifying the offering of disability cover with a loading or at standard rates without a mental health exclusion in such cases.

    mental health

    The new philosophy is based on a holistic assessment model which incorporates both the biological and psychosocial risks within the combined evaluation of risk of relapse of severe symptoms. 

    The model has been tested using data from real life examples, with the results showing that in approximately 15% of scenarios that were run through the model, ended up with a loading or at standard rates as opposed to a mental health exclusion clause.

    We have recently updated our “Applicant’s Mental Health Questionnaire” to align with the new assessment model and enable us to collect all the relative information to make a fully informed assessment and ensure the best possible outcome for our clients.

    We are confident that this new approach, which is a first in the Australian market, will allow us to offer a more comprehensive level of cover to clients presenting with mild cases of depressive and anxiety disorders.

    You can download a copy of the updated “Applicant’s Mental Health Questionnaire” at https://aia.com.au/advisersite, on the left hand side under Procedures & Forms, Underwriting, or contact your State Office or CDM. 

    [1] https://www.beyondblue.org.au/media/statistics

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    Copyright © 2021. AIA Group Limited and its subsidiaries or affiliates. All rights reserved. Priority Protection and Priority Protection for Platform Investors products are issued by AIA Australia Limited (ABN 79 004 837 861, AFSL 230043). AIA Vitality, a personalised, science-backed program that supports members every day to make healthier choices, is available with eligible products issued by AIA Australia. AIA Health with AIA Vitality is issued by AIA Health Insurance Pty Ltd ABN 32 611 323 034, a registered private health insurer governed by the Private Health Insurance Act 2007, Private Health Insurance Rules 2007 and the AIA Health Insurance Pty Ltd Fund Rules. The information on this website is current as at 1 April 2021 and may be subject to change. It is general information only and is not intended in any way to be financial, legal, tax, health, medical, nutritional or other advice. You should consider your own personal circumstances and needs and view the relevant product documents, fact sheets, fund rules and terms and conditions before making a decision to acquire such products. If necessary you should obtain professional advice from a financial, tax, medical or health professional. Unless expressly stated, any views or expressions of opinion (including any video content) do not represent the opinion of AIA.
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