Health insurance unlikely to be valid for vaccine injury or Covid-19 illness

A few days ago, Twitter user @infofoundationx posted the following image of a letter they’d received from Bupa following a phone call, confirming that vaccine injury falls under their list of exclusions:

From Bupa’s terms, revised in January 2021 (p.29):

“Licensed gene therapy….or tissue engineered medicines….that have not been tested in Phase III clinical trials will be considered experimental.”

The vaccines currently being rolled out have only received temporary approval in the UK for use under Regulation 174 of the Human Medicine Regulations 2012, which enables rapid temporary regulatory approvals to address significant public health issues, such as a pandemic.

The Phase III trials for Pfizer and AstraZeneca have not yet been completed.

According to the trial protocols released by the manufacturers in September 2020, the trial participants will be monitored for around two years from the first dose.

• The final visit date stated in Pfizer's protocol is 714-742 days after the first dose and trials began in July 2020.

• For AstraZeneca it's 730 +/- 30 days and trials began in August 2020.

In addition, it appears that the very fact we’re in what the WHO defines as a pandemic, means you won’t be covered by your Bupa health insurance policy if Covid strikes you down:

So, if you have private health insurance, check with your own provider whether you’re covered for any pandemic or vaccine-related illness or injury. While you’re at it, you might want to also check your life insurance…