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Insurance Companies Exclude Coverage for EMF/RF Claims

doctor's hand pointing at mri

“It’s not a matter of ‘if’ a massive public health catastrophe is coming, it’s a matter of who is going to pay for it.”

Think you’re covered in case you get sick from EMF/RF radiation?  Think again. Quietly, medical insurance policies around the world are excluding coverage for any claims related to electromagnetic field radiation and radio frequency radiation (Cell phones/Cell towers which is another name for microwave radiation).  This speaks for itself to anyone who says non-ionizing radiation is completely safe.   

 

 

February 7th 2015: The Lloyd’s of London and it’s underwriter CFC Underwriting Limited excludes any liability coverage for claims, “Directly or indirectly arising out of, resulting from or contributed to by electromagnetic fields, electromagnetic radiation, electromagnetism, radio waves or noise.” 

From the Lloyd’s of London policy:

“Exclusions (starting on Page 6 of policy, Page 7 of pdf):

We will not

a) make any payment on your behalf for any claim, or
b) incur any costs and expenses, or
c) reimburse you for any loss, damage, legal expenses, fees or costs sustained by you, or
d) pay any medical expenses:

32. Electromagnetic fields (General Insurance Exclusions –Page 7 of policy):

directly or indirectly arising out of, resulting from or contributed to by electromagnetic fields, electromagnetic radiation, electromagnetism, radio waves or noise.”

 

From Parents for Safe Schools:rf-hazard

Recently Lloyd’s of London modified its renewal policy (Feb. 7, 2015) to now exclude any coverage associated with exposure to non-ionizing radiation (i.e. wireless communications) “directly or indirectly arising out of, resulting from or contributed to by electromagnetic fields, electromagnetic radiation, electromagnetism, radio waves or noise.” 

In response to a request for clarification, CFC Underwriting LTD, London, UK agent for Lloyd’s, stated:
“The Electromagnetic Fields Exclusion (Exclusion 32) is a General Insurance Exclusion and is applied across the market as standard. The purpose of the exclusion is to exclude cover for illnesses caused by continuous long-term non-ionizing radiation exposure i.e. through mobile phone usage.” (Feb. 18, 2015) 

In 2010 the Emerging Risks Team of Lloyds of London published a white paper on the question of EMF (Electromagnetic fields) and made a comparative study to the history of asbestos and its impact on the insurance industry. 

INSURANCE COMPANIES WILL NO LONGER INSURE INJURIES FROM WIRELESS TECHNOLOGY

“The danger with EMF is that, like asbestos, the exposure insurers face is underestimated and could grow exponentially and be with us for many years.” 

Check this out: 

http://www.antennamgt.com/antenna-resources/canadian-underwriter-cellular-risk

 

The insurance companies know what the telecom industry (and the governments that are in their pocket) won’t tell you: this is going to be a “Casualty Catastrophe,” an unprecedented public health tragedy that is coming, and they want to make sure ahead of time they aren’t going to be the ones to pay for it. 

This is also a message to employers to clean up their workplaces and reduce exposure wherever and however they can to avoid liability. 

If there’s a message here it is no one is going to protect you (and those you love) except yourself.  

Dr. Devra Davis of EHTrust.org has written an important book that goes into this subject in detail.  Highly recommended reading:

 

Insurance-Company-Excluding-EMF-Related-Illness

Insurers exclude risks associated with electromagnetic radiation

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