“It’s not just travel insurance, it’s people’s lives, it’s people’s incomes. They are being refused that just because they have a mental illness … I don’t think that it’s fair.” (Ella Ingram)

In 2015, the Victorian Civil and Administrative Tribunal found that QBE insurance discriminated against Ella Ingram. In 2017, predominantly as a result of Ella’s case, a number of insurers reviewed their travel insurance policies removing blanket exclusions for mental health conditions. Discrimination is not restricted to travel insurance.

Mental illness has proven to be a challenge for the general and life insurance industry who have historically approached the issue from a regulatory compliance perspective.

There are currently numerous digital applications being used independently of insurance or in connection with health insurance. These applications fall within the four types.