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Article: Insurance Letter to PEI

Re: the under-reporting & risks of covid vaccine injury in Germany

 

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English Translation of the Health insurance company BKK letter to the Paul Erlich Institute re: Vaccine AR under-reporting (as reported in the Berliner Zeitung Feb 24, 2022)

The health insurance company BKK has evaluated millions of insured data. According to this, the stated case numbers of the Paul-Ehrlich-Institute on vaccination consequences are too low.

A major German health insurer has recorded figures on side effects of Covid vaccines. It said the result was “a significant alarm signal.” According to BKK ProVita, the number of side effects is many times higher than those officially announced by the Paul Ehrlich Institute (PEI).

In a letter to the PEI (available to the Berliner Zeitung – read in German), it says: “In our eyes, there is a considerable under-reporting of vaccination side effects.” The board of BKK ProVita, Andreas Schöfbeck, told the world: “According to our calculations, we consider 400,000 doctor visits of our insured due to vaccination complications to date realistic.”

The health insurance company has had the data of millions of insured persons of the BKK group analyzed. Based on the evaluated data, Schöfbeck also concludes that “danger to human life cannot be ruled out.” Schöfbeck has now written a letter to Prof. Dr. Klaus Cichutek, the president of the Paul Ehrlich Institute. The letter also went to the GKV-Spitzenverband, the Federal Medical Association, the National Association of Statutory Health Insurance Physicians, the Standing Vaccination Commission and the BKK Dachverband. The Berliner Zeitung publishes the letter with the headline “Heftiges Warnsignal bei codierten Impfnebenwirkungen nach Corona Impfung” in its wording.

the letter:

“Dear Prof. Dr. Cichutek, The Paul Ehrlich Institute has announced via press release that 244,576 suspected cases for vaccination adverse events after Corona vaccination were reported for the calendar year 2021. The data available to our institution give us reason to believe that there is a very significant under-reporting of suspected cases for vaccination adverse events after Corona vaccination. I am enclosing an evaluation of this in my letter.

The data basis for our evaluation is physician billing data. Our sample is from the anonymized data set of the company health insurance funds. The sample comprises 10,937,716 insured persons. So far, we have the physicians’ billing data for the first half of 2021 and approximately half for the third quarter of 2021. Our query includes valid ICD codes for vaccination adverse events. This analysis has shown, although we do not yet have the complete data for 2021, that based on the available figures we now already assume 216,695 treated cases of vaccine adverse events after Corona vaccination from this sample.

If these numbers are extrapolated to the entire year and to the population in Germany, probably 2.5-3 million people in Germany have received medical treatment for vaccination side effects after Corona vaccination. We regard this as a considerable alarm signal that must be taken into account in the further use of vaccines. In our view, the figures can be validated relatively easily and also in the short term by asking the other types of health insurance funds (AOKs, substitute health insurance funds, etc.) for a corresponding evaluation of the data available to them. Extrapolated to the number of vaccinated people in Germany, this means that approximately 4-5 percent of vaccinated people received medical treatment for vaccination side effects.

In our view, there is a considerable under-reporting of vaccination side effects. It is an important concern to identify the causes for this in the short term. Our first assumption is that, since no compensation is paid for reporting vaccine adverse events, reporting to the Paul Ehrlich Institute is often not done because of the great expense involved. Physicians have reported to us that reporting a suspected vaccine adverse event takes about half an hour. This means that 3 million suspected cases of vaccine adverse events require about 1.5 million working hours of physicians. That would be almost the annual workload of 1,000 physicians. This should be clarified in the same short term.

A copy of this letter will therefore also be sent to the German Medical Association and the National Association of Statutory Health Insurance Physicians. The GKV-Spitzenverband will also receive a copy of this letter with the request to obtain corresponding data analyses from all health insurance companies.

Since danger to human life cannot be ruled out, we request that you provide feedback on the measures initiated by 6 p.m. on February 22, 2022.

Yours sincerely

Andreas Schöfbeck Vorstand

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Indiana life insurance CEO says deaths are up 40% among people ages 18-64

 

Keywords

article, Berliner Zeitung, BKK, CEO, deaths, evaluation, germany, Insurance, Letter, Paul Ehrlich Institute, PEI, Petition, ProVita, risks, Schöfbeck, side effects, underreporting, Vaccination, Vaccine

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Vaccine Death Insurance Case

Vaccine Death Insurance Case

Vaccine Death Insurance Case

Re: the Legality of Life Insurance claims due to Death from the Covid Vaccine

 

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Facts of the Case

  • Dates: Jan ?, 2022
  • Location: France
  • Court:
  • Case #:
  • Plaintiff: Family of Deceased
  • Plaintiff’s Lawyer: Carlo Alberto Brusa
  • Defendant: Life Insurance Company
  • Trial Type:
  • Judge:
  • Status: Decided
  • Verdict: for the Defendant

*updated Feb 6, 2022

Background

A wealthy elderly man with a high value Life Insurance policy to the amount of millions of euros… dies from the covid jab. [1]

His death as a consequence of being jabbed is not disputed by the doctors, nor his life insurers. [1]

The Insurance company refused to pay the policy, citing that the taking of experimental drugs, treatments, etc., is excluded from the policy. [1]

The family takes the insurance company to court. [1]

France last year (2021) put in place a health pass that prevents people without a PCR test or proof of vaccination to enter restaurants, cafes and other venues. The government wants to turn it into a vaccine passport that means only the vaccinated can have a health pass. [2]

note: The case was published by the family’s lawyer, Carlo Alberto Brusa, on social media. Unfortunately, no sources or court records are given. [4]

 

Significance

This case legally confirms that death from the vaccine is possible, despite many claims by politicians tot he contrary. It therefore puts into question the logic and reasonableness of mandating such an inoculation to the entire population.

 

Plaintiff’s Argument

…More information is needed…

 

Defendant’s Argument

The insurance company stated the policy clearly states that deaths from experimental medicine are the same as suicide, and it doesn’t need to pay out. [3]

 

Relevant Prior Judgements/ Cases

…More information is needed…

 

Decision

The judge stated, “the experimental vaccine side effects are publicized and the deceased could not claim not to have known about them when he voluntarily took the jab. [1]

There is no law or mandate in France which forced him to be jabbed. Therefore, his death is essentially suicide”. [1]

(Suicide is explicitly excluded from this particular policy and in fact from all life insurance policies in general.) [1]

“The court recognizes the classification of the insurer who, in view of the announced side effects, including death, legally regards participation in the phase three experiment, whose proven harmlessness is not given, as voluntarily taking a fatal risk that is not covered by the contract and legally recognized as suicide.” [3]

 

Aftermath

  • Canadian former premier of Newfoundland Peckford and co-author of the 1982 Canadian Charter of Rights on his blog wrote: [1]

This has been the finding of a major western world court system and there is zero doubt that insurance companies world wide will cite this case as legal fact. [1]

Therefore, if anyone ever challenges you on whether these jabs are experimental or not, and that neither the pharma companies, nor govts, nor anyone else but YOU are responsible for accepting them and if you die, legally you have committed suicide. No insurance, no payouts, no refunds. You are on your own! [1]

  • In Austria as of Feb 1, 2022, it’s mandatory for all citizens to take the Jab. [1]
  • The French President Emmanuel Macron said on Tuesday , Jan 4 2022, he wanted to “piss off” the non-vaccinated. [2]

“I won’t send (the unvaccinated) to prison, I won’t vaccinate by force. So we need to tell them, from Jan. 15, you won’t be able to go to the restaurant anymore, you won’t be able to down one, won’t be able to have a coffee, go to the theatre, the cinema…”

The expression “emmerder”, from “merde” (shit), that can also be translated as “to get on their nerves”, is considered “very informal” by French dictionary Larousse and prompted immediate criticism by rivals on social media.

  • Actuaries have been warning that rising claims will be eroding the capital which insurers set aside to avoid insolvency. Notably, older people do not take out life insurance, which means that the claims have been from younger clients. Insurers say that they expect a rise in excess deaths. [4]
  • According to Alex Berenson, the risk of injury or death from the jab is exceptionally high judging from Canadian data. [4]
  • The refusal to pay for a vaccine-related death may not be surprising since globally the life insurance industry has been hit with reported claims of $5,5 billion in the first nine months of 2021 versus $3,5 billion for the whole of 2020, according to insurance broker Howden. [4]
  • Dutch insurer Aegon, with two-thirds of its business in the US, said its American claims in the third quarter were $111 million, up from $31 million a year earlier. [4]
  • Vaccine deaths may force insurers to raise premiums and some have indicated that they intend to punish the unvaccinated for their financial woes. [4]

Further Research

Court Documents:
  • Read the Court Ruling
In the news:

 

Media

……

source: ….

….

source: ….

….

source: ….

 

References

  1. DEATH FROM VACCINE RULED SUICIDE
  2. Macron says he wants to ‘piss off’ the non-vaccinated
  3. Life Insurance Company Denies Claim of Vax Victim Since Jab is Experimental
  4. Life insurer refuses to cover vaccine death
  5.  

 

Keyword

Brusa, Carlo Alberto Brusa, France, Insurance, Life Insurance, Macron, suicide, Vaccine Death, Versailles

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Lockdown Insurance Case

Lockdown Insurance Case

Lockdown Insurance Case

Re: the Legality of Insurers not to compensate Businesses for Losses due to the Lockdown Measures

 

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Facts of the Case

  • Dates: May 22, 2020
  • Location: Paris, France
  • Court:
  • Case #:
  • Plaintiff: Stéphane Manigold
  • Plaintiff’s Lawyer:
  • Defendant: AXA insurance
  • Trial Type:
  • Judge:
  • Status: Decided
  • Verdict: for the Plaintiff

*updated Feb 6, 2022

Background

Stéphane Manigold, owner of four restaurants (and president of restaurants consortium Eclore) in Paris brought a case against French insurer AXA, France’s biggest insurance group.He filed a lawsuit demanding that AXA cover his operating losses after a government order in mid-March to close bars and restaurants to try to slow the spread of the virus. [1]

AXA has a 13% market share among French craftsmen and merchants. AXA said it only had 200 contracts in its portfolio with French businesses in various sectors that provide business interruption guarantees when there is no physical damage involved. [2]

 

Significance

This case potentially puts the burden of financial loss/ compensation due to the corona measures onto the insurance companies.

It has global significance.

 

Plaintiff’s Argument

…More information is needed…

 

Defendant’s Argument

AXA had argued its policy did not cover business disruption caused by the health crisis. [1]

“The vast majority of AXA France contracts for catering professionals provide that a generalized event like the one we are experiencing today cannot bring into play the contractual guarantees,” AXA said in an emailed statement. [1]

Insurers argue that pandemic risk is excluded from operating loss insurance guarantees because it is not insurable. French insurers would otherwise have to compensate 20 billion euros per month for operating losses due to the lockdown, industry estimates show. [2]

 

Relevant Prior Judgements/ Cases

…More information is needed…

 

Decision

a Paris court ruled that the firm should pay Manigold two months’ worth of revenue losses caused by the virus pandemic. [1]

The court said that the administrative decision to close the restaurant qualified for insurance cover as a business interruption loss. [2]

 

Aftermath

Defendant’s Response:

AXA said on Tuesday May 22, 2020, it would meet the bulk of business interruption claims from some restaurant owners in France after it lost a court case that was seen as a potential precedent for coronavirus-related disputes across the world. [1]

AXA has said it will appeal the Paris ruling, but Chief Executive Thomas Buberl said on Tuesday the company was seeking an amicable solution and planned to meet the bulk of claims from restaurant owners whose contracts had some ambiguity in them. [1]

“These contracts represent less than 10 per cent out of total contracts with restaurant owners and I am confident that we will find a solution,” Buberl said. [1]

“We want to compensate a substantial part of these contracts, we want to do it quickly.” [1]

AXA also said it would provide a further 500 million euros ($546 million) in aid for small companies, on top the plans already announced by French insurers to invest 1.7 billion euros in domestic companies. [1]

Plaintiff’s Response:

Stephane Manigold, the owner of four Paris restaurants who brought the case against the French insurer, told Reuters that since the court decision his team had received calls from Britain, South Africa, Spain and the United States asking for details of his contract and the court’s ruling. [1]

“This decision in Paris has a global resonance,” he said. [1]

“This is a collective victory,” he told Reuters after the ruling. [2]

“This means that all companies with the same clause can appeal to their insurers,” Manigold’s lawyer, Anais Sauvagnac, said. [2]

Additional:
  • In Britain, the financial regulator has also turned to the courts to try to get clarity on whether insurers should pay out coronavirus-related claims to small businesses. [1]
  • Some other French insurers have said they will pay out business interruption losses to some customers, depending on specific contracts. Generali France, for example, has said it will make payments to 600 hospitality businesses. [1]

“This decision … revives questions among many insured,” said a French lawyer, who advises insurers and brokers over contracts, of the Paris court decision. [1]

Further Research

Court Documents:
  • Read the Court Ruling
In the news:

  • …More information is needed…

 

Media

……

source: ….

….

source: ….

….

source: ….

 

References

  1. French restaurant’s big win over insurance giant AXA could set precedent
  2. French court orders insurer AXA to pay restaurant’s COVID-19 losses

 

Keyword

AXA, Buberl, France, Insurance, Lockdown, Manigold, Paris, Restaurant, revenue losses

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