Could there be a time when life insurance companies will refuse cover for Covid related deaths for new policies if the insured has refused a vaccine ? Or apply excesses or inflated premiums like for smokers ? |
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How would that work?
Having had covid and not being dead, suffering any side effects and having the same protection that this potential vaccine gives, means I get penalised for not being stabbed .... |
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"How would that work?
Having had covid and not being dead, suffering any side effects and having the same protection that this potential vaccine gives, means I get penalised for not being stabbed ...."
Unfortunately there's no substantial evidence that having had the virus offers the same level of protection as the vaccine. There's also no evidence that the vaccine won't need regular boosters 1,5 or 10 years like some other vaccines |
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"How would that work?
Having had covid and not being dead, suffering any side effects and having the same protection that this potential vaccine gives, means I get penalised for not being stabbed ....
Unfortunately there's no substantial evidence that having had the virus offers the same level of protection as the vaccine. There's also no evidence that the vaccine won't need regular boosters 1,5 or 10 years like some other vaccines"
Actually I may suggest that the factually correct statement would be
No potential vaccine has substantial evidence it can offer the same protection as having had the virus
And as I understand it there is little data indicating how much protection one had after having the virus
So in essence just not much data period
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By (user no longer on site)
over a year ago
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If having Covid has caused scarring of the lungs if could cause death at a younger age.
That would be grounds for a higher premium along with people who have had cancer or heart problems. |
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I can't get life insurance anyway, so having had Covid etc isn't going to make much difference 
We just hope it's not me who croaks it prematurely and leaves the other in the lurch. S has life insurance, so that's all good. Relying on the "death in service" thingy if I KO. |
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"How would that work?
Having had covid and not being dead, suffering any side effects and having the same protection that this potential vaccine gives, means I get penalised for not being stabbed ....
Unfortunately there's no substantial evidence that having had the virus offers the same level of protection as the vaccine. There's also no evidence that the vaccine won't need regular boosters 1,5 or 10 years like some other vaccines
Actually I may suggest that the factually correct statement would be
No potential vaccine has substantial evidence it can offer the same protection as having had the virus
And as I understand it there is little data indicating how much protection one had after having the virus
So in essence just not much data period
"
You may indeed but it's essentially the same question. |
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"No as vaccination isn’t mandatory  "
That is irrelevant to the insurance industry. I have medical conditions that have zero impact on my life expectancy, they cause physical pain and disability but absolutely no chance of them killing me. I don't smoke or drink, yet I can't get life insurance at all. Insurers will make whatever they want a compulsory part of the acceptance process and will increase premiums or decline cover based on Covid if they see fit. |
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"How would that work?
Having had covid and not being dead, suffering any side effects and having the same protection that this potential vaccine gives, means I get penalised for not being stabbed ...."
But have you informed you insurer that you have had it.... |
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