[robertnn]

Another Swede here. I have never heard any of this before. Who told you this? I mean.. health insurance? You mean if you have supplemental private insurance? Mortgage? I have a mortgage and they have no access to any kind of health information and I would be very surprised if any bank would request it from me.

[dijit]

The information I got was from a company called Modigo but it was already discussed with my private psychologist; So Modigo just clarified what I had been told and had understood in writing.

Regarding the mortgage thing, I had the same feeling as you, but how it works is that mortgages are cheaper if you buy them with private insurance (income protection, life insurance).

For example: Nordea (a bank) and “If” (an insurance company) have a close partnership offering discounts for each others services when buying an apartment or house. Based on the information If gives backs to Nordea there can be greater discounts on mortgages; this worked in my favour previously and I got a 1.34% mortgage when the list price for 3y fixed was 2.1%.

It could be expanded further to say that if “If” considers me too high risk from various factors regarding my health that they would not even offer me health insurance at all, then the bank could use as justification itself that I am high risk and not extend a loan offer.

[hansworst]

This sounds like it should be illegal imo. I’m not Swedish but your country strikes me as one where there are lots of protections for all kinds of people. Your (mental) health status really shouldn’t have an impact on whether or not you can get a mortgage, you cannot change anything about that. To me it sounds just as bad as profiling based on race or gender.

[im3w1l]

It's common for gender to be a factor in insurance. It's starting to become illegal, but it's a fairly recent thing. Most states allow it, California banned it in 2019.

[robertnn]

Interesting, thanks for clarifying.