The vaccinated, excluded from insurance coverage?

Protected against Covid-19, but no longer against the vagaries of life? To oppose vaccination against this virus, some repeat that this immunity would come with its share of unpleasant surprises. They think they know that being vaccinated with these new products would cancel the life insurance and that taken out as part of a mortgage, and that the costs related to possible side effects would no longer be covered. This is false information, created from scratch, and widely contradicted.

It’s a restaurateur who brought this fake news up to date. In front of his camera, he relays on July 17 an alleged discussion with his insurer. “He told me that if tomorrow I get sick from the vaccine, I won’t be covered”. This is entirely false. In France, compensation and support for patients with vaccination-related illnesses are fully covered by national solidarity. Whether it is disability, disease or death related to any vaccine, it is indeed the National Medical Accident Compensation Office (Oniam) who bears these costs.

However, by launching the vaccination campaign against Covid-19 by decree, the health authorities have opened up this protection to people vaccinated with the new products authorized in the country. “This means that people vaccinated will be able to see their damage repaired by national solidarity without having to prove fault or product defect, and that health professionals who will vaccinate will not see their liability sought, except for gross negligence”, sum up the authorities on the vaccination-info-service.fr website, designed under the aegis of Public Health France. “As a result, full compensation for medical accidents attributable to healthcare activities carried out under the campaign will be supported by national solidarity through ONIAM.”

It is therefore misleading to claim that patients are solely responsible for the potential side effects following vaccination. Just as it is wrong to say, as the young man does in his video, that in the event of death “[son] life insurance will not work “. Here again, the information is erroneous and has been denied for several months. According to internet users who spread this rumor last March, a person who chooses to be immunized against Covid-19 could see this insurance canceled under a clause “medical experiments”. In addition to the fact that immunized people are not “guinea pigs”, such contracts are considered as savings plans. Therefore, the “conditions of the death of the insured have no effect on the payment to the beneficiary of the sums paid on a life insurance contract”, as explained at the time the Prudential Control and Resolution Authority (ACPR), a banking and insurance supervisory body.

Only death insurance can contain such conditions in relation to the state of health. But such exclusion clauses are “contractually provided”, upon signing, and do not appear overnight. Especially since in practice, “the risks covered by the exclusions are not very diversified and, to our knowledge, no contract includes clauses which would make it possible to exclude as a cause of death, the consequences and consequences of a vaccination, or more generally of the taking of a medical treatment, on prescription from a doctor “, argued the ACPR.

Ditto for the insurance taken out during a loan to immobilize, also at the heart of these rumors. Again, the clause “medical experimentation” does not exist in loan contracts. “The very many grounds for excluding guarantees from mortgage insurance contracts never mention the consequences of a vaccination, or medical tests, and the unprecedented context of the Covid-19 virus is no exception.“, assured the French Insurance Federation in a press release published last March. Reassuring, she recalls that when an event “is not specifically cited as an exclusion in the general conditions “, so “it is compulsorily covered”. Vaccination against Covid-19 therefore does not invalidate your insurance contracts.

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