瑞士再保险 精神疾病保险的可持续性和相关性.pdf

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1、SINGAPORE ACTUARIAL CONFERENCE 202426-29 August 2024Keeping It Real:Sustainability and Relevance in Mental Illness CoveragePresented By,Dr Kent Chong FALU FLHC MBBSRegional Medical Officer APACSwiss ReSINGAPORE ACTUARIAL CONFERENCE 202426-29 August 2024Post COVID-19:Rising Demand in Mental Illness C

2、overage Since late 2020,Swiss Re published several mental health-dedicated research reports.These reports show that insurance for mental health conditions is an under-developed segment.In our 2021 survey,87%of respondents across APAC showed some openness towards mental illness coverage.Across all ma

3、rkets,younger generations and higher earners appear more open.SINGAPORE ACTUARIAL CONFERENCE 202426-29 August 2024Psychiatric Hospital Admission Rates in SingaporeSource:Ministry of Health,Hospital Admission Rates By Age and Sex 2019,2020 and 2021 Psychiatric Hospitals.2 Peaks in Psychiatric Hospita

4、l admission rates were noticed:Youths in the age group of 15 to 24 years old.Adults in the workforceSINGAPORE ACTUARIAL CONFERENCE 202426-29 August 20246-Year Trend of Youth Depression in SingaporeSource:A six-year trend of youth depression in a healthcare group in Singapore.ASEAN Journal of Psychia

5、try Vol.22(8),October 2021:1-8More rapid increase in depression diagnosis in youth compared to adults.Mean age of diagnosis became younger.Larger increase in depression diagnosis in females.SINGAPORE ACTUARIAL CONFERENCE 202426-29 August 2024Mental Cover:Available ProductsLump Sum Payment TPD,Specia

6、l CI etc.Income Replacement Mainly DIReimbursement of Medical ExpensesKent Chong|28th August 2024601Key Challenges:Mental Illness Coverage SINGAPORE ACTUARIAL CONFERENCE 202426-29 August 2024How about in actualinsurance application?SINGAPORE ACTUARIAL CONFERENCE 202426-29 August 2024Barriers to spea