To see the impact of Covid-19 on your insurance policy please see the sections below.
International Private Medical Insurance
Please be advised that the response to COVID19 is being organised and managed by each country’s respective governments and health authorities. At this time, understandably, governments want to control 100% of Covid-19 cases to ensure they contain the outbreak, and insurers are obliged to adhere to the processes that each country dictates. People may be routed to (some private) or public hospitals for testing/isolation and then referred onto the key providers for treatment if it is required. This will deviate from typical member experience but the COVID testing/screening and isolation response is not being arranged by international insurers and we have to work within the parameters of what the governments put in place.
The general message across all International Private Medical Insurers is that their current position allows for treatment and testing for Covid-19. However, there may be restrictions to coverage based on your specific plan, location and any personal medical exclusions that have been applied on your policy. We therefore strongly advise that you contact your insurer for a confirmation of your personal coverage and to seek pre-authorisation for any necessary treatment relating to Covid-19.
With more people having to self-isolate at home there are potential concerns over their jobs, health and any financial impact. Some insurers do offer additional benefits such as Employee Assistance Programmes and Tele-health services which we view as useful sources of support in times like this. To clarify an Employee Assistance Programme can help you find the right support using mechanisms such as counselling, resources, referrals and information to help you face every day concerns and issues. A Virtual Doctor service (also known as Telehealth) gives you access to medical support and advice whenever you need it, from the comfort of your home.
If you are unsure what your current policy benefits are, require assistance pre-authorising treatment or would like to know whether your policy has provisions for additional benefits are on your policy, please do get in touch with your account manager.