On TikTok, a viral video claims that the death of a person vaccinated against Covid-19 is considered a “suicide” by insurance companies.
In this case, no payment of the life insurance to the beneficiary of the contract.
A rumor that has been circulating for almost a year in different countries, despite several denials.
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explains why this information is false.
“You're vaccinated, you die, you have life insurance, it's as if you had committed suicide. ". In a video that has gone viral on TikTok in just a few days, a user reads an anonymous testimony. The situation is as follows: a “very wealthy” grandfather has died, leaving behind a life insurance of several million euros for the benefit of his children and grandchildren. Important detail, specifies the Internet user in the video: the deceased was vaccinated against Covid-19.
“The insurance does not reimburse and does not pay the premium of several thousand euros.
The court admits the qualification of the insurer, legally considering the adhesion to the experimentation of phase three ”, continues the Internet user, taking up a (false) argument very widespread among antivaxers according to which serums against Covid-19 would be experimental.
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According to the video, this death would therefore be considered "voluntary mortal risk-taking, not covered by the contract and legally admitted as suicide, because the client was notified and agreed to voluntarily take the risk of dying without being obliged to do so. or forced.
An assertion that did not fail to scandalize the thousands of Internet users who saw the video.
But let them be reassured, it is fake news that is circulating in a new variant.
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The Servicepublic.fr website specifies that the beneficiary of life insurance does not receive the associated premiums "in the event of the insured's suicide during the first year of the contract".
However, for insurers, vaccination against Covid-19 has never been a criterion for breaking a life insurance contract. The French Federation of Insurers (FFA) has moreover denied this infox to
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in March 2021: “There is no such clause. The FFA regrets this attempt at misinformation on a public health subject as essential as vaccination, and recalls that insurance contracts do not provide for exclusions relating to the consequences of vaccination. »
In the video, the Internet user also claims that the vaccines against Covid-19 are currently in “phase 3” of their experimentation.
This is also false.
To be authorized and marketed on a large scale, vaccines must be in the “pharmacovigilance” phase, sometimes referred to as “phase 4”.
The rumor related to the withdrawal of life insurance in the event of vaccination was born in February 2021 in Canada.
A user reported a conversation with his insurer on social networks: “[They have] confirmed that they will NOT pay my policy because the vaccine is experimental!
»
The insurance company acknowledged the remarks made by one of its employees, but explained that it was an error.
The Canadian Life and Health Insurance Association (CLHIA) has since confirmed that “getting vaccinated does not affect life insurance coverage” in Canada.
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