{"id":1972,"date":"2020-03-13T03:56:17","date_gmt":"2020-03-13T03:56:17","guid":{"rendered":"https:\/\/www.pacificprime.co.uk\/blog\/?p=1972"},"modified":"2020-03-24T06:09:18","modified_gmt":"2020-03-24T06:09:18","slug":"coronavirus-what-you-need-to-know-about-insurance-cover","status":"publish","type":"post","link":"https:\/\/www.pacificprime.co.uk\/blog\/coronavirus-what-you-need-to-know-about-insurance-cover\/","title":{"rendered":"Coronavirus: what you need to know about insurance cover"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">With the Novel Coronavirus (COVID-19) spreading to countries all over the world, the World Health Organization has finally declared the virus as a pandemic on 11th March and even forecasted that the situation would worsen. At the time of writing, 118,000 cases have been confirmed in 114 countries, among which nearly 4,300 people have died.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sports competitions, major conferences, music festivals, and events with large crowds have been called off or delayed. Employees have been asked to work from home. Consumers have been panic-buying surgical masks, medicines, and hygienic products. With fear continuing to spread, more people are getting concerned over whether their health, life, and travel insurance will cover the novel coronavirus. In this Pacific Prime UK article, we will find out the answer to this question.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><div class='code-block code-block-1' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.co.uk\/compare-quotes\/step-one\/?campSource=PPUK-Blog&utm_source=blog&utm_medium=content_banner&utm_campaign=banner&utm_content=single\" target=\"_blank\" rel=\"noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-774\" src=\"https:\/\/i0.wp.com\/www.pacificprime.co.uk\/blog\/wp-content\/uploads\/2020\/02\/PPUK-blog-banners-1138x493-px_02-03.jpg?resize=700%2C303&#038;ssl=1\" alt=\"Individual health insurance blog\" width=\"700\" height=\"303\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Does my health insurance cover COVID-19?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">While there is no simple answer to this question as every insurance policy has its own terms and conditions, most <\/span><a href=\"https:\/\/www.pacificprime.co.uk\/plans\/individual\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">health insurance<\/span><\/a><span style=\"font-weight: 400;\"> plans do cover at least part of the treatment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Normally, epidemics coverage is not included in many policies. However, since coronavirus is a new virus, most insurers will treat it as a special condition that is not subjected to general exclusions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is likely that the insurer will reimburse for the following medical costs, up to the prescribed limits of each policy:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Costs for diagnostic tests when requested by a medical professional<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Costs for eligible inpatient treatment, including admission into an isolation ward after contracting the COVID-19 virus<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Cost of eligible outpatient treatment for the virus and its symptoms, as requested by a medical professional<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You will still have to pay your copay or deductible (if any) before getting any claims. And you will still be covered overseas if you have purchased an international health insurance plan. In other words, the way your plan&#8217;s benefits are structured will be reflected in its COVID-19 coverage. However, self-quarantine at home will not be covered as the expenses will be out-of-pocket.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Additional coverage<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">In light of the current situation, some insurers are offering extended insurance coverage, such as covering all medical complications resulting from COVID-19 and medical evacuation if the necessary help isn\u2019t available locally. Other additional supportive measures on offer include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Waived cost for a ward upgrade during COVID-19 hospitalisation<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Simplified and express claims procedures<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Virtual consultations<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Having said that, each insurer and insurance policy has its own terms and conditions attached to outpatient treatments and COVID-19. Hence, it\u2019s advisable to check with your insurance agent or an established insurance broker like Pacific Prime UK.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Does my life insurance cover COVID-19?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As a rule of thumb, if you die from COVID-19 in your home country, your life insurance policy should payout. However, your location and occupation nature may render you excluded by your life insurance policy. For instance, if you are working abroad and your occupation could put you at high risk for the coronavirus.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While the coverages for existing clients will not be affected by the coronavirus outbreak, insurers are working with reinsurers to assess the progression of the pandemic and progressive clients will need to disclose if they might have the virus.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Does my travel insurance cover COVID-19?<\/span><\/h2>\n<p><a href=\"https:\/\/www.pacificprime.co.uk\/plans\/travel-insurance\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Travel insurance<\/span><\/a><span style=\"font-weight: 400;\"> covers all types of travel-related accidents and mishaps such as flight delays and cancellations. Whether your travel insurance compensates for your trip cancellations depends on the actual situation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, if you cannot continue your trip because the government has issued travel bans to your destination, or because the airline cancels your flight, then you will most likely be entitled to a full refund.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, if you cancel your trip simply out of coronavirus fear, the only travel insurance plans that will cover you are those that allow \u201ccancellations for any reason\u201d, which can often cost up to 75% of the plane ticket price.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Furthermore, if you book your trip after COVID-19 has become a known issue in your destination, you won\u2019t be covered. In contrast, if you booked your trip beforehand and are unable to travel due to the outbreak, or if you have to cancel your trip when there is a sudden outbreak of the virus during the journey, your travel insurance may cover you. But the safest practice, of course, is to talk to your insurer before you cancel your trip.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><div class='code-block code-block-6' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.co.uk\/compare-quotes\/step-one\/?campSource=PPUK-Blog&utm_source=blog&utm_medium=cta_banner&utm_campaign=banner&utm_content=quote\" target=\"_blank\" rel=\"noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-781\" src=\"https:\/\/i0.wp.com\/www.pacificprime.co.uk\/blog\/wp-content\/uploads\/2020\/02\/PPUK_quote-image-01-1.jpg?resize=700%2C303&#038;ssl=1\" alt=\"Get an Insurance quote banner\" width=\"700\" height=\"303\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Talk to Pacific Prime UK for more information<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As an international insurance brokerage with 20 years of experience, <\/span><a href=\"https:\/\/www.pacificprime.co.uk\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Pacific Prime UK<\/span><\/a><span style=\"font-weight: 400;\"> is adept at matching clients with the plan that best matches their budget and needs. <\/span><a href=\"https:\/\/www.pacificprime.co.uk\/contact-us\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Talk to our experts today<\/span><\/a><span style=\"font-weight: 400;\"> for free quotes and a plan comparison!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>With the Novel Coronavirus (COVID-19) spreading to countries all over the world, the World Health Organization has finally declared the virus as a pandemic on 11th March and even forecasted that the situation would worsen. At the time of writing, 118,000 cases have been confirmed in 114 countries, among which nearly 4,300 people have died.\u00a0 &#8230;<\/p>\n","protected":false},"author":4,"featured_media":1973,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"In this Pacific Prime UK article, we will find out whether health, life, and travel insurance will cover the novel coronavirus.","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_links_to":"","_links_to_target":""},"categories":[5,2],"tags":[767,1220,1222,1223,1221,768,258,17,42,1162,709],"class_list":["post-1972","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health","category-insurance","tag-ban_sin","tag-coronavirus","tag-coronavirus-health-insurance-cover","tag-coronavirus-in-uk","tag-coronavirus-travel-insurance","tag-cta_gen","tag-insurance","tag-life-insurance","tag-pacific-prime","tag-pacific-prime-uk","tag-travel-insurance"],"acf":[],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.pacificprime.co.uk\/blog\/wp-content\/uploads\/2020\/03\/photo-1581769060592-4008c031d332.jpg?fit=1050%2C436&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pcnTsc-vO","amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/posts\/1972","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/comments?post=1972"}],"version-history":[{"count":3,"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/posts\/1972\/revisions"}],"predecessor-version":[{"id":1984,"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/posts\/1972\/revisions\/1984"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/media\/1973"}],"wp:attachment":[{"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/media?parent=1972"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/categories?post=1972"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/tags?post=1972"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}