The response to COVID19 is being organised and managed by each country’s respective government and health authorities 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 each government puts in place.
The general message across all international private medical insurers is that testing for, and treatment of Covid-19 is permissible but there may be restrictions to covere 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 assistance programmes, that offer 24×7 confidential short-term counselling support, and telehealth services, that provide access to medical support and advice whenever you need it, without leaving your home. We view both of these types of service as extremely useful sources of support in times like this.
If you are unsure what your current policy benefits are, require assistance pre-authorising treatment or would like to know whether your policy provides additional support, please do get in touch with your Client Relationship Manager.
To get more information, please click on your healthcare policy providers name below: