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We investigate the fraught relationship between mental illness and insurance.

You’re more likely to take significant time off work with a mental illness than any other form of illness. One in five Kiwis experience a mental disorder each year.

Mental illnesses are the leading cause of health claims – and they’re the types of claims that make insurance companies nervous.

June 2011 update: we've added a new case study discussing a member's experience with his insurer. 

Highlights of this report


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Consumers disadvantaged


We've found 3 main ways consumers are disadvantaged. Read more

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Finding cover


Insurers can use previous illnesses to increase your premium. Read more

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Non-disclosure


Many claims are declined because of non-disclosure. Read more

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