A WinePress contributor provided a statement from the British Medical Association (BMA) stating that life insurance providers may defer and deny the user coverage. If it can happen in the U.K. it is bound to happen elsewhere and more than likely probably already is.
Because these vaccines have been given emergency clearance and not given the proper testing, they are still deemed experimental. Mainstream media will not say they are, but the insurance companies know precisely what they are and do not want to pay for the liabilities.
Here is some of what the BMA website says about insurance coverage related to Covid:
Getting Life Insurance And/Or Income Protection If You Have Recently Had COVID
Most insurers are typically deferring (rather than refusing) applications for those who have recently had COVID-19.
They will normally require the applicant to be back to their usual work pattern and symptom free for a minimum period before considering the application.
In the case of a mild infection, most insurers will specify that you need to be symptom free for a month but if you have been very unwell, admitted to hospital or suffered any complications, they may ask that you have been well and symptom free for three months.
This decision to defer an application is based primarily on compatible symptoms regardless of whether you have had a positive test or not and applies in all cases, not just doctors. If your application is deferred, this does not mean you cannot apply again in the future and there should be no detriment as a result of the deferment.
What Insurers Will Ask
When applying for these policies you will be required to complete a medical questionnaire. The form that insurers use will typically ask four questions about COVID-19:
- Have you had COVID-19 symptoms in the last month?
- Have you had to self-isolate in the last month
- Have you tested positive for COVID-19 in the last month?
- Have you had confirmed contact with someone with COVID-19 in the last month?
If the answer is ‘yes’ to any of questions 1-3 a postponement in the application process is likely to be applied in order to allow time for full recovery.
However, for frontline healthcare workers the response to question 4 will be looked at differently by the insurer as they acknowledge that they are more likely to be in contact with someone with COVID-19 and that PPE will be worn.
This may result in more questions being asked for clarification around the circumstances (for example you may be asked a subsequent question about PPE). If it is confirmed that it is work related contact, then this is unlikely to result in any detriment in the application or in a higher premium being paid.
We have heard of some examples where insurance brokers and financial advisors have not been aware that insurers don’t consider healthcare contacts with COVID positive patients as a reason to automatically defer policies. If you are told that your application has been deferred for this reason you should query it and state that the BMA has received confirmation from insurers on this.
If You Have A Positive Antibody Test
As noted in the joint BMA/ABI statement, a positive PCR or antibody test will not delay the application if you have fully recovered from COVID and have been symptom free for the required period.
In addition, it is essential that healthcare workers are not discouraged from having an antigen test if they think they have symptoms of COVID, in order to prevent transmission to other healthcare workers and patients.
Will My Life Or Critical Illness Insurance Policy Pay Out For Coronavirus?
If you or a loved one has to make a claim on a life insurance policy as a result of COVID-19, it should be handled like any other life insurance claim and would be paid subject to the usual policy terms and conditions.
COVID-19 in itself is not classed as a ‘critical illness’ so it is highly unlikely that a critical illness policy will pay out if you develop non-complicated COVID illness.
If, however as a result of COVID-19 you develop a condition that is classed as a critical illness then you should be able to claim on your policy. It is recommended that you check your own policy conditions.
These policies are separate from the government backed COVID life assurance scheme for doctors and healthcare workers in England and Wales and the death in service benefits of the NHS pension scheme.
AUTHOR COMMENTARY
He that is surety for a stranger shall smart for it: and he that hateth suretiship is sure.
Proverbs 11:15
The rich ruleth over the poor, and the borrower is servant to the lender.
Proverbs 22:7
I am mainly reporting on this because it demonstrates how fraudulent and scummy the insurance companies are. It goes without saying that you should not be getting tested and absolutely do not take the vaccine.
I encourage Christians to get away from as many insurance policies as possible. Some I realize are mandatory by law, but I suggest getting the absolute cheapest coverage. You need to have ASSURANCE from the Lord (Proverbs 3:5-7; 2 Timothy 3:14). Insurance policies can be “classified” under Proverbs 11:15 and 22:7. The buyer continually has to pay for these insane rates for something they almost never use, but these companies will use fear of the unknown as to why you should empty your wallet out for them. And then when it comes time to use it, the insurance companies so often never want to cover anything they said they’d cover! You are left holding the bag, which is Proverbs 11:5 summarized into a short idiom.
[5] Let your conversation be without covetousness; and be content with such things as ye have: for he hath said, I will never leave thee, nor forsake thee. [6] So that we may boldly say, The Lord is my helper, and I will not fear what man shall do unto me.Hebrews 13:5-6
If you are reading this and are questioning why I would go after insurance policies, it is because it is a form of covetousness. When you insure something, you only do it to high ticket items and things you value the most. This means you put it on a high pedestal and probably idolize it. It’s more than likely something you probably didn’t need in your life. But instead of trusting the Lord and being assured of him, insurance policies are trusting in man to protect your goods and health because you may highly esteem something. You covet it, therefore, it is covetousness.
The WinePress needs your support! If God has laid it on your heart to want to contribute, please prayerfully consider donating to this ministry. If you cannot gift a monetary donation, then please donate your fervent prayers to keep this ministry going! Thank you and may God bless you.
