Problems

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Indirect effects on personal health

5G frequency band 3.7-3.98GHz is major risk of harmful interference for radio altimeters in aircraft.

Various aviation safety authorities in the United States, Canada were concerned about broad impacts to aviation operations including the possibility of "catastrophic failures" with potential for “multiple fatalities.

Companies know about the risks

Insurance companies classified 5G as a “high impact” emerging risk and keep quiet about RF EMF exclusion clause.

Swiss RE Institute: "Existing concerns regarding potential negative health effects from electromagnetic fields (EMF) are only likely to increase. An uptick in liability claims could be a potential long-term consequence."

Companies refuse to cover illnesses caused by long-term (non-ionizing) EMF exposure and liability insurance of telecommunication companies.

For example:

  • CFC Underwriting LTD in London, the UK agent for Lloyd’s of London mentioned in policy document EXCLUSIONS RELATING TO OTHER INSURANCES: "Electromagnetic fields directly or indirectly arising out of, resulting from or contributed to by electromagnetic fields, electromagnetic radiation, electromagnetism, radio waves or noise."

  • Zurich Community Care Liability Insurance: Exclusion on electromagnetic fields in Combined general liability insurance policy: "any liability of whatsoever nature directly or indirectly caused by, in connection with or contributed to by or arising from electromagnetic fields (EMF) or electromagnetic interference (EMI)."

Some telecommunications companies rate EMF health risk issues as "high impact" and warned only investors about the potential risks.

All potential harmful effects of user wireless devices are shifted to the user liability by certain instructions within user manuals

Companies refuse to cover illnesses caused by long-term (non-ionizing) EMF exposure and liability insurance of telecommunication companies.

For example:

  • CFC Underwriting LTD in London, the UK agent for Lloyd’s of London mentioned in policy document EXCLUSIONS RELATING TO OTHER INSURANCES: "Electromagnetic fields directly or indirectly arising out of, resulting from or contributed to by electromagnetic fields, electromagnetic radiation, electromagnetism, radio waves or noise."

  • Zurich Community Care Liability Insurance: Exclusion on electromagnetic fields in Combined general liability insurance policy: "any liability of whatsoever nature directly or indirectly caused by, in connection with or contributed to by or arising from electromagnetic fields (EMF) or electromagnetic interference (EMI)."

Wireless companies withheld information potential health risks of RF EMF from consumers and neighbors using mobile phones or living near the mobile phone.

  • British Telecom, warned investors in 2017 Annual Report: “We can’t provide absolute ­assurance that research in the future won’t establish links between radio frequency emissions and health risks.”

  • Vodafone wrote in 2018 Annual Report "EMF found to pose health risks causing reduction in mobile usage or litigation"

Value of properties is diminished by antennas in closer proximity.

The Impact of Cell Phone Towers on House Prices in Residential Neighborhoods study from 2008 found "that buyers when asked in what way the cellular phone base stations or antennas impacts the enjoyment of living in their home, 37% responded that its impact was related to health concerns, 21% said it impacted neighborhood aesthetics, 20% said it impacted property value, and 12% said it impacted the view from their property."

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