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Life insurance and Covid

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By *eddy and legs OP   Couple
over a year ago

the wetlands

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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By *hrista BellendWoman
over a year ago

surrounded by twinkly lights

Yes and travel insurance

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By (user no longer on site)
over a year ago


"Yes and travel insurance "

Definitely.

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By *uietlykinkymeWoman
over a year ago

kinky land

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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By *wisted999Man
over a year ago

North Bucks

Knowing how insurance companies like to squeeze people for all they are worth.

Then yes.

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By *eddy and legs OP   Couple
over a year ago

the wetlands


"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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By *ophieslutTV/TS
over a year ago

Central

They already have conditions and limitations, so I'd expect that they'll exclude more things in future

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By *ensualtouch15Man
over a year ago

ashby de la zouch


"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

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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By *inky_couple2020Couple
over a year ago

North West

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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By *ady LickWoman
over a year ago

Northampton Somewhere

We have recently applied for life insurance, both companies had a section relating to covid 19.

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By *eddy and legs OP   Couple
over a year ago

the wetlands


"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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By *elshsunsWoman
over a year ago

Flintshire

No as vaccination isn’t mandatory

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By *inky_couple2020Couple
over a year ago

North West


"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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By *eddy and legs OP   Couple
over a year ago

the wetlands


"No as vaccination isn’t mandatory "

Neither is your right to life insurance.

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By *ove2pleaseseukMan
over a year ago

Hastings


"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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By *ove2pleaseseukMan
over a year ago

Hastings

My travel insurance has all Ready changed and costs much more

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By (user no longer on site)
over a year ago


"No as vaccination isn’t mandatory "

Thats irrelevant.

Lots of people can't get insurance for lots of different reasons.

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