Figure 1: Positive and negative drivers on the route to disclosure
Positive drivers
Negative drivers
Increase in risk factors for mental health problems
An individual experiences troubling symptoms
Reduced threshold for help-seeking
Public Health campaigns
Increased mental health literacy
The individual seeks medical advice about their symptoms
Increased service provision
Peer & social media influence
Decreased stigma
Less skilled clinicians making diagnoses
Increased awareness by clinicians
The individual is diagnosed with a mental health problem
Reduced threshold for diagnosis
Online application processes
The individual agrees with the diagnosis & adherers to appropriate treatment
Increased treatment availability
Regulatory changes & legal requirements
Decreased treatment effectiveness
Improved underwriting
The individual discloses diagnosis to insurers, workplace, etc.
Economic pressures
Increased disability & chronicity
Increased concerns about impact of non-disclosure
Increased occupational support available
Source: Swiss Re