UPDATE with Opinion of Federal Council of 29.05.19(unofficial translation)
Ad 1
The Swiss Insurance Association (SIA) classifies non-ionizing electromagnetic radiation, and therefore mobile telephony radiation, as an emerging risk (currently twelve in number). These are new types of risks that may have an impact in the future. Unlike traditional risks, they are difficult to identify and therefore difficult to assess financially. A common feature of emerging risks is that the causality between risk and damage cannot (yet) be proven. Since the generally accepted criteria for providing insurance against hazards cannot be applied to emerging risks without further action, liability insurers are faced with the fundamental question of whether such risks can actually be covered by insurance. In the absence of this causality and because it is almost impossible to financially assess possible risks, insurers are reluctant to cover the risks for the population that could result from the antennas.
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