Changing mental health trends in Netherlands

Mental health-related disability income insurance (DI) claims have risen markedly across developed markets, including the Netherlands. While initially linked to the COVID-19 pandemic, current data indicates that this trend is likely to be both a sustained and systemic risk – suggesting a new, higher baseline in claim incidence and duration. First seen in younger women aged 25 – 35, growing evidence highlights a rising impact on adolescents, neurodivergent individuals and working-age men. Today, this shift significantly impacts insurers, prompting revised underwriting criteria, improved claims management, and adjusted product design and pricing. A pragmatic and coordinated public-private response will be key to mitigating long-term costs and protecting the financial viability of DI portfolios. 

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