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Lazarus Long Profile picture
@LazarusLong13
Jul 23 • 3 tweets • 2 min read • Read on X
Turns out that India's life insurance markets are getting hit, too.

Mortality claims rose to
1.085 million in 2025
1.009 million in 2024
623,000 in 2020.

This is between 2020 and 2025. Something started then and is still going on....

/1 Mortality claims for top life insurance companies have remained persistently high between FY20 and FY25 - hovering near one million annually. This marks an almost 75 percent increase in death claims over five years, a sharp rise for an industry that fundamentally relies on stable mortality patterns. Despite the spike in mortality claims, insurance companies saw a 25 percent decline in the number of lives covered by top private life insurers. This decline is primarily due to major insurers reducing their participation in the group insurance segment, industry sources said.
Something still going on....

Turns out that C0V1D is still going on. Refreshing to read that in black and white. He explained that COVID-19’s long-term effects, such as cardiovascular complications, respiratory issues, and undiagnosed illnesses due to deferred medical care, could still be playing out, leading to higher mortality claims even years after the peak of the pandemic. "The virus may have triggered or worsened chronic illnesses that are now resulting in fatalities, and insurance data is just beginning to reflect that delayed impact," he added. Moreover, this persistent pressure from rising mortality claims has led Indian life insurers to revise and recalibrate pricing for term lif...
Yikes.

…w-moneycontrol-com.cdn.ampproject.org/v/s/www.moneyc…Image

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More from @LazarusLong13

Lazarus Long Profile picture
Jul 24
So, in your apartment or hotel, we saw below how its heated facade, or front, could drive your downstairs neighbor cough into your lungs.

Let's step inside your living room now, and step forward in time to winter.

What happens if your sick neighbor is seated in that living /1
room?

Where is the worst place for them to be seated if you have your heat coming from a heat register up on the wall?

Next to your cold window.

The cold air cools your sick neighbor's exhaled infectious air, and drives it to the ground.

Where it sidles along until Image
Image
you and your family's bodies' thermal plumes pick up that air, and lifts it up to your faces to be breathed in.

Or....to put this in another way....if you go to a coffee shop as I like to do, and you see someone coughing next to a cold window? Do not dawdle.

Leave.
Read 7 tweets
Lazarus Long Profile picture
Jul 21
I looked at your thread @moog77 . The reason that epidemiological didn't work (cases continued to go up)? Is the same reason the 2023 Cochrane fails, ironically, after you touted it as the "gold standard."

Not because clean air doesn't reduce cases. It empirically does. It
just doesn't do it where it's not being applied.

What do I mean?

2023 Cochrane "the gold standard" - for community masking is based on a few studies.

One is Alfelali (2020) set in the Haji season
pmc.ncbi.nlm.nih.gov/articles/PMC75…
2 to 3 million religious pilgrims crammed into a few locations, sleeping 50 to hundreds in tent, head to toe.

Respiratory disease is typically 50% in total. Perhaps the single largest mass infection in history, year after year.

A few of them given surgical masks, and told
Read 13 tweets
Lazarus Long Profile picture
Jul 21
Do you live in an apartment or stay in hotels?

Got a "oops, outside air can get you" study. Coming out of Beijing University of Technology - taking airborne transmission seriously.

They rented 50 rooms of a building. Did some very cool CFD work - then, be still my heart, Image
followed it up with tracer gas experimentation.

See room 303 above? 403 and 503 got whatever came out of 303.

With studies like these, there are so many variables. But, if I lived in an apartment, I would set have at least a PC fan CR Box next to those open windows.
Or an HRV set up in that window. And for sure a PC fan CR box next to the front door for under the door airflow.

x.com/VentiloAngel/s…

Not HRV, but equally valid
x.com/Engineer_Wong/…
Read 17 tweets
Lazarus Long Profile picture
Jul 20
Swimming and showering.

Below is the thread of collected "swimming/ showering safer in indoor shared air" solutions, so far.

You might be thinking that the chlorine smell protects you near the pool. Chlorox is great.

But you would be thinking incorrectly.

Thread. Filti media wrapped out an inside brace made out of zip ties. Laugh all you want, but it works, yo.
Have there been indoor swimming pool transmission events? Yes.

jamanetwork.com/journals/jaman…

pubmed.ncbi.nlm.nih.gov/34606662/

And more.

Were they in the swimming pool or in the more likely shower/ locker rooms or lobby? Nobody has teased that out.
You do not smell chlorine gas in the pool. If you were actually smelling real chlorine gas, you had better start running for the door.

You are smelling trichloramine - from sweat, urine, body oils when there is not enough free chlorine.

frontiersin.org/articles/10.33…“It is a common misconception that a strong chlorine odor is caused by too much chlorine in the water. The odor is actually caused by chloramines (combined chlorines) off-gassing from the pool water surface. Chloramines are formed in the pool water when there is insufficient free chlorine in the pool to address the nitrogen-containing compounds brought into the pool water by the swimmers. These nitrogen compounds are naturally occurring and contained in sweat, urine, body oils, and other proteins that get released into the pool water. If the introduction of these nitrogen compounds outpace...
Read 29 tweets
Lazarus Long Profile picture
Jul 18
I am deep in NCL3 studies as someone pushed back on swimming pool transmission-and I take my disease transmission prevention very seriously.

Wait - what? NCL3? Image
NCL3 is trichloramine. That actually maybe most of what you are smelling in the pool.

Hold onto this golden nugget - swimmer's sweat and body oil ALSO results in trichloramine.

DO NOT THINK about the urea (ahem, urine).

As a lap swimmer, I did NOT know that. Image
Right now, I am deep in a study observing that vertical gradients exist for NCL3 AND CO2 from pool surface up.

A fancy way of saying that the CO2 is most concentrated near the pool water - in the swimmer breathing zone, that magic 10 cm where you look back and inhale.
Read 15 tweets
Lazarus Long Profile picture
Jul 17
So, I got curious.

Despite the pore sizes of the N95 filtration being so much larger than CO2 molecules, there is a greater concentration of CO2 in the N95, than outside.

Why?

We exhale 4–5% CO2 (40,000–50,000 ppm), much higher than the ~0.04% (400 ppm) in ambient air. Image
What is the the AVERAGE CO2 in the dead space below an N95? 1-3% - or 10,000 to 30,000 ppm.

Sounds scary high, right? It's the AVERAGE. Below you can see it rise and fall. See how at the end of the inhalation it's almost zero?

But what happens to that CO2? We inhaled it Image
all, so we must be poisoning ourselves!?

Nope, here is what is going on with our alveoli gas composition.

Not much of a change.

And that gets reflected in the amount of CO2 in our blood.

That is best measured by PaCO2 (arterial CO2 partial pressure). Image
Image
Image
Image
Read 17 tweets

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