2022年1月19日水曜日

保険会社はDeath汁接種者は副反応と死亡を覚悟で自発的に接種しているとの理由で生命保険金の支払いを拒否できるのか?

 <blockquote class="twitter-tweet"><p lang="ja" dir="ltr">フランスの富豪が枠珍で死亡。保険会社は、莫大な生命保険金の支払いを拒否。<br>今回の世界中で実施している枠珍は「治験」であり、副反応と死亡を覚悟で自ら接種しているため、保険金支払いは無しとの見解。 <a href="https://t.co/4b9wTwzTJg">pic.twitter.com/4b9wTwzTJg</a></p>&mdash; 森井啓二 (@keijimoriiVet) <a href="https://twitter.com/keijimoriiVet/status/1483615470347448321?ref_src=twsrc%5Etfw">January 19, 2022</a></blockquote> <script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>

ホントかどうかは?ですが・・・

もし今後、Death汁による免疫力低下が認められてしまったら、接種した人の生命保険の掛け金は全額ボッシュート、または掛け金の大幅値上げって事で宜しいでしょうか?(爆wwwwwwwwwwww


まあ今はともかくどちらにしろ今後、Death汁の長期的副反応が明らかになったら大きな問題になるでしょうな。生命保険会社も背に腹は代えられんでしょうから黙ってカネを支払うなんてあり得んでしょう。(爆wwwwwwwwww


France: Court rules COVID vaccine-related death a suicide

January 14, 2022


Life insurers adapt pandemic risk models after claims jump

(HNRGn.DE) board member Klaus Miller.

The increase in claims was largely down to the emergence of the Delta variant, twice as transmissible, and more likely to cause hospitalisation than the original coronavirus strain. read more

Claims rose most in the United States, India and South Africa due to the more lethal variants and a rise in fatalities or illness among younger and unvaccinated groups.

Dutch insurer Aegon , which does two-thirds of its business in the United States, said its claims in the Americas in the third quarter were $111 million, up from $31 million a year earlier. read more

U.S. insurers MetLife (MET.N) and Prudential Financial (PRU.N) also said life insurance claims rose. South Africa's Old Mutual (OMUJ.J) used up more of its pandemic provisions to pay claims and reinsurer Munich Re raised its 2021 estimate of COVID-19 life and health claims to 600 million euros from 400 million. read more

The long-term nature of life insurance products – often lasting 20 years or more – means premiums are not yet capturing the risk that deaths or long-term illness from COVID-19 will likely remain higher than previously estimated. Competition in the industry is also keeping a lid on premiums.

Actuaries say rising claims will be eating into the capital which insurers set aside to ensure solvency.

In the initial "shock" period of the pandemic in 2020, the insured U.S. population suffered 12% more deaths than average, according to research from life insurance trade association LIMRA shared with Reuters.

"For the insurance industry, that's not huge because we have reserves," said Marianne Purushotham, LIMRA's chief actuary.

"We're always trying to compare the new variant to the initial shock," she said.

The impact for insurers in 2020 was more muted because deaths were mainly among older people who typically do not take out life insurance.

CRYSTAL BALL-GAZING

As the pandemic continues to surprise with the Omicron variant now becoming dominant, insurers, reinsurers and specialist risk modelling firms are looking to the future.

"We take into account the possibilities of more transmissible and less transmissible (variants)," Narges Dorratoltaj, scientist at modelling firm AIR said. "We cannot say specifically which path we are going to follow but we are trying to come up with the possible ranges to at least narrow down the possible outcomes."

AIR is factoring in periodic lockdowns around the world and is also considering factoring in more uncertainty over whether governments will continue to impose restrictions to keep transmission rates low, and over individuals' willingness to obey them, Narges said.

Risk modelling firm RMS said its updated COVID-19 projection model allowed for variants, such as Omicron, which show elements of vaccine escape, as well as for variants which might evade vaccines.

Reinsurer Swiss Re (SRENH.S) said its pandemic model takes more than 20,000 different scenarios into account. It has been updating its risk model regularly with the latest data on testing, vaccination, infection, hospitalisation and fatality rates.

HOW LONG, WHAT'S NEXT?

With the emergence of the even more transmissible Omicron, COVID-19 vaccine manufacturer Pfizer (PFE.N) has said it does not expect the pandemic to subside to an endemic state globally until 2024. read more

AIR's model anticipates that the pandemic, caused by a virus first identified in China in December 2019, could last five years.

Excess deaths could continue as the virus becomes endemic, similar to influenza which causes many deaths each year despite vaccines.

"We would expect to see some medium-term (impact on claims) of five to 10 years," LIMRA’s Purushotham said.

More deaths or long-term illnesses will require insurers to set aside more reserves to pay claims, and may force them to raise premiums.

Insurance risk experts also say the opportunities for transmission between humans and animals, high levels of global travel, increased urbanisation and climate change impacts such as deforestation and disease-carrying mosquitoes mean pandemics could become more frequent.

"A new coronavirus outbreak is indeed likely in the near future -- within the next 10 years," said Brice Jabo, principal modeller, life risks, at RMS, referring to the severe acute respiratory syndrome (SARS) and Middle East respiratory syndrome (MERS) outbreaks in the last two decades as early warnings.

The potential for any future corovanirus outbreak to again become a pandemic would depend on its transmissibility and the strength of measures to fight it, Jabo said.

Bruno Latourrette, chief knowledge officer of reinsurer SCOR Global Life (SCOR.PA), said he did not expect the next pandemic to be as devastating as COVID-19.

"COVID is...the perfect storm with pre-symptomatic contagiousness, a lethality that is not too high to lead to super-strong zero tolerance measures, a waning of immunity and high transmissibility".

https://www.reuters.com/business/life-insurers-adapt-pandemic-risk-models-after-claims-jump-2022-01-13/


、、、(爆wwwwwwwwwwww 

6 件のコメント:

匿名 さんのコメント...

保険会社はプロトコルXの対象じゃないということでしょうか?

GABRIEL さんのコメント...

損保より生保が
取り敢えず集団訴訟で
莫大な金と時間を取られそ

寧ろその期待値は高い

草木 さんのコメント...

>フランス:裁判所はCOVIDワクチン関連死を自殺と定めている

はっきり本音を出しましたね
治験で副作用もあると告知してあるからねー望んで飛び込んだから”自殺”です
では、接種をほぼ強制した政府・企業の責任は問えるかな
これを知れば、損保保険だけがとりあえず安全だという事がわかるかな
(事故も接種者はワクチンによる体調変化理由で保険下りない論理がでたりして)

>負傷・けがの治療を目的とした西洋医学は科学
 病気治療を目的とした西洋医学はオカルト・呪い術・魔術

 この精神の上に成り立っている知的展開 汚腐乱巣 恐るべし
 最初に暴動が起きるのはやはり仏蘭西かな

匿名 さんのコメント...

> もし今後、Death汁による免疫力低下が認められてしまったら、接種した人の生命保険の掛け金は全額ボッ
> シュート、または掛け金の大幅値上げって事で宜しいでしょうか?(爆wwwwwwwwwwww

チャイニーズが金儲けに目聡いようにこういうカネに五月蝿い界隈の判断が一番信用できる件wwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwww
死亡保険、入院保険etc大幅ダウンor支払い拒否ならmRNAバカチョン=ゴミwが決定な証拠になりますなwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwww

匿名 さんのコメント...

ワクチン推進派と保険業界の綱引きが始まるんですねw

匿名 さんのコメント...

ワクチン接種後死亡の遺族が保険会社を訴えても
保険会社は国はワクチン接種による死亡を認めていないって突っぱねるだろうな

遺族は因果関係不明とは因果関係があるか無いかが不明のことで
因果関係が無いのではないと主張し
保険会社は因果関係不明とは因果関係があるか無いかが不明のことで
因果関係があることではないと主張する

wwwww

誰か変な落語でも作ってくれんかw