The Long-term Impact of
COVID-19
The Long-term Impact of
COVID-19
Dr. John Lefebre Vice President Senior Technical Global Medical Director
In the three years since the start of the pandemic, COVID-19 has infected more than 750 million people worldwide and caused over 6.8 million deaths. Fortunately, most people infected with COVID-19 do recover – but they can face an increased risk of mortality and morbidity. Dr John Lefebre, Vice President and Senior Technical Global Medical Director, RGA, explores what this means for insurers.
Higher mortality in the first year after infection
For at least a year post-infection, previously hospitalized COVID-19 survivors have an increased mortality and morbidity risk. This is particularly the case for those over the age of 60. Readmission is common in the 60 days after being discharged from the hospital, as is the onset of new diseases or the exacerbation of pre-existing conditions.
Those who were not hospitalized also have a small increased mortality risk in the first year post infection. It remains to be seen whether these risks will return to pre-pandemic levels over time.
Living with long COVID
The impact and risks of long COVID from an insurance standpoint are still emerging, but some trends are becoming clear. The risk of long COVID is highest for severe cases, especially in the first six to nine months post infection. Increased risk is more likely to persist in the longer term for severe cases. There are encouraging signs that vaccination may have a positive impact on long COVID.
Click below to watch the International Actuarial Association webinar about the impact of COVID-19 pandemic on future mortality trends.
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