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

The case caused a huge resonance in society. An elderly businessman who died from vaccination, which was officially confirmed, insured his life for several million. However, after his death, the relatives were left with nothing, writes Unser Mitteleuropa.

In France, the case of a wealthy elderly Parisian businessman who insured his life for many millions and died from COVID-vaccination caused a great resonance. The insurance company refused to pay money to the relatives of the deceased, and the court found the company to be right. At the same time, the insurance company argued its refusal precisely by the fact that death occurred as a result of the vaccination: taking experimental drugs and treatments (including vaccination against coronavirus) is excluded from the policy. The judge’s verdict is as follows:

“The side effects of an experimental vaccine are being made public, and the deceased could not have professed ignorance when voluntarily taking the vaccine. There is no law or regulation in France requiring him to be vaccinated. Therefore, his death is, in fact, a suicide. The Court recognizes the qualification of an insurer who legally regards participation in the third phase experiment, the lack of evidence of which has not been proven, as the voluntary assumption of a fatal risk not covered by the contract, taking into account the declared side effects, including death is covered and legally recognized as suicide. The family filed an appeal. However, the insurer’s defense is recognized as reasonable and contractually justified, since this well-known risk of death is legally considered suicide, the client was notified and agreed to voluntarily risk his life without being forced to do so.

The insurance company noted that suicide, like death from an experimental drug, is not an insured event. The lawyer for the family of Carlo Alberto Brusa published the case materials on social networks and expressed his outrage at such a decision. It appears that insurers will now stop paying out life insurance policies on a large scale, as the death risk from vaccination effectively blocks their contract, rendering it void.

After the publication of similar cases in France, something similar was heard from the United States. Paul Graham, Senior Vice President for Policy Development at the American Life Insurers Council, says:

“Life insurance companies may refuse to pay out for vaccinated people because Covid vaccines are “medical experiments. When deciding on the payment of damages, it is taken into account whether the insured has received a COVID vaccine. Life insurance contracts are very clear on how policies work and what reasons, if any, can lead to a denial of payment. The COVID-19 vaccine is not one of them. An assessment of an applicant’s insurance capacity is not affected by an individual’s immunization status.”

The publication notes that, upon request, domestic insurance companies promise not to make benefits dependent on the appropriate vaccination status, both for those who have been vaccinated and for those who have not been vaccinated. But everyone knows that vaccination campaigners are calling for the unvaccinated to be penalized in terms of costs if they stay in the hospital. The information from France in the article refers to the referenced sources and to information provided by Nicole Delepin, former Head of Pediatric Oncology Medicine at Assistance Publique-Hôpitaux de Paris, on the Riposte Laïque website.

https://en.rua.gr/2022/01/14/france-court-rules-covid-vaccine-related-death-a-suicide/

Life insurers adapt pandemic risk models after claims jump

By Carolyn Cohn and Noor Zainab Hussain

LONDON, Jan 13 (Reuters) - A coronavirus pandemic which lasts five years, another pandemic in a decade, and ever more transmissible variants are among the scenarios life insurers are predicting after COVID-19 claims jumped more than expected in 2021.

The global life insurance industry was hit with reported claims due to COVID-19 of $5.5 billion in the first nine months of 2021 versus $3.5 billion for the whole of 2020, according to insurance broker Howden in a report on Jan 4, while the industry had expected lower payouts due to the rollout of vaccines.

"We definitely paid out more than I had anticipated at the beginning of last year," said Hannover Re (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