It depends on the insurer, for some it won’t make any difference as they argue:There’s no data (yep, insurers love data) available for either the longer-term risk of COVID (long COVID for example) or the risk associated with the vaccination.There’s no data for general take-up rates (i.e what percentage of the population will get vaccinated)Nor is there any data or for how long the vaccine will remain effective.Therefore the reinsurance companies (the ones who call the shots) are being very cautious about how the vaccination will affect their position.For others insurers, if someone has been fully vaccinated then they can consider acceptance of higher-risk individuals. If you are “high-risk”, it’s going to remain difficult to get cover.