The reason why health insurance premiums are soaring

How about we also factor in the damage caused by experimental mRNA technology that half the world was railroaded into taking and how that has negatively affected the health of tens of thousands of New Zealanders?

@Tigua_Sigadur I would if there was any evidence to support your statement. With 900 claims crossing my desk in the last three years, just two have specific links to the vaccine, and one of them is a stretch. The one case I have that is vaccine injury is heart failure. Pfizer has concurred with this, and everyone around them has responded with the expected support, including ACC. From an insurance industry perspective, Covid was a public health issue as a primary response, and there has not been a vaccine issue at all. If there was a vaccine, or Covid, issue in New Zealand, we would have three clear indicators: 1. Overall death rates would be up, they went down. 2. Overall life cover claims would be up, they are not. 3. Trauma claims for cardiac causes would also be up, they are not. There has been a lot of talk about long Covid impacts, and these are the sort of claims that have been crossing my desk. Looking at the living benefits, we have seen a distinct spike in two areas of claim: medical claims due to the public health system not coping and disability claims due to mental health pressures. Even then, the disability one, from what I am being told, is not significant. I haven't had a new mental health claim come to me in a year or two suggesting the reset on how we are living caused by the lockdowns has helped this area dramatically. An area that has seen a distinct rise is the diagnosis of ADHD, where the lockdowns and isolation have helped these symptoms come crashing through. While people with ADHD who have made it to adulthood undiagnosed are active and engaged, they generally do ok. It's once that activity drops off, or the being locked up bit hits; the symptom awareness grows massively. On the spike of medical claims, by and large, they have been routine causes but at three times the number. This isn't Covid or the vaccine, as the things being looked at aren't impacted by either. It is directly related to the lack of response from public health for specialists and testing. This started when Public Health shutdown for dealing with Covid and it hasn't abated. Much of it is orthopaedic, which isn't Covid or the vaccine. Long Covid claims I am seeing typically are related to lungs, where people aren't used to having pneumonia and struggle to clear the rubbish out of the bottom of their lungs. Good specialist breathing physio support to sort this out, and all of the people I have seen have fully recovered and got on with life. So no, there is no evidence that the vaccines have added to insurance premiums. Covid probably has to a small degree, but not at the scale people think.

JP - 0800 SPECSAVERS...

900 claims in 3 years is impressive. On 200 working days a year, that's 3 every 2 years. And internationally there is growing evidence that the C injection was neither safe nor effective. And yet in NZ we continue to extol the virtues of a Damehood and a Knighthood! There are none so blind as they who will not see.

@Richard, eyesight 20/20 here. Been looking, been tracking, and about the only thing that's crossed my desk that could draw a long bow is a 62 year old with early onset of dementia symptoms with a family history of dementia. I’ve had vaccine injury cases and long Covid too, my own experience with covid was a fun ride too… With the number of claims across my desk if there was a vaccine issue I would have expected to see it. With the service contact we have with my clients, I would have expected to hear it as well. But its been crickets.

@Murray yup, its been a hell of a lot, 3 every two days, some days its 7 and other nothing. But yeah the average is up there. And it is time consuming too. Others I have talked to that manage client claims are experiencing similar numbers of claims and challenges.