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  #83361  
Old Today, 12:34 PM
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Originally Posted by Hpalace View Post
I think the lab leak is a possibility. Given though we have never had an epidemic (let alone a pandemic) from a lab leak; the only evidence of a lab leak seems to be the fact that there was a lab near a geographical area where there was a prevalence of corona viruses and 3 people that cannot be named may or may not have become unwell in November 2019 with flu like symptoms.

Meanwhile we have had millions of epidemics and several pandemics from natural origin and the virus appears natural and not reverse genetically modified. For now Iím happy to edge with the bulk of science and say itís likely natural. Not definitely, but likely.
Was it just any old lab or were they working on something specific?
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  #83362  
Old Today, 01:19 PM
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Originally Posted by Golf Boy View Post
Was it just any old lab or were they working on something specific?
The Australian virologists account I linked on the previous page gives a fairly good account of what you are asking. She was working on Ebola so it would seem from her one account, that they were investigating bat borne viruses including corona viruses.
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  #83363  
Old Today, 03:25 PM
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Originally Posted by DANGERMOUSE View Post
You called...?

I'm not involved in travel insurance, but as a general principle insurability depends partly on the risk being fortuitous and a comparatively low probability of occurrence, particularly for retail insurance products which don't cost much. The premiums of the many pay for the losses of the few - and if there are too many losses there won't be enough premium to pay the claims, insurers will make a financial loss, and in extreme cases go out of business (which doesn't help anybody - least of all insureds).

If insurers cover a risk and the peril unexpectedly increases in severity and/or frequency, then obviously insurers need to honour the policies in force (and may well be unprofitable as a result). However, they need to reconsider new policies being issued: increase the premium, increase the excess, impose other conditions or maybe exclude the peril entirely. Otherwise they are walking straight into more unprofitability.

Because covid has been so widespread and costly in terms of claims, travel insurers have had to react drastically. Frequency is very high, so insurers either had to restrict cover or otherwise charge thousands for a travel policy that a couple of years ago might have cost a hundred or even less. And probably there are specialist underwriters offering decent covid coverage but this will undoubtedly come at a high premium, simply because (stating the obvious) we are in the middle of a worldwide covid pandemic and the probability of a trip being cancelled or curtailed is very high.
Thank you for the detailed reply.

You basically have confirmed my suspicion, and my outsiders view of how insurance works.

I still have my fingers crossed it won't be an issue and the trip goes as planned. But I may have to read the small print of the policy again.
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