Do Coronavirus related claims fall under policy exclusions (epidemics/pandemics clause)?
Answer: No, they don’t. However, we would need to process claim adjudication following policy terms and conditions to release an official result.
Is Coronavirus related testing (e.g., blood test) covered by PCIC medical policies?
Answer: If a test is done and a diagnosis is made which requires treatment, then the test will be covered. If there is no diagnosis and no subsequent treatment, the test will not be covered.
Will a medical policy cover an insured person who is not showing Coronavirus symptoms to undergo Coronavirus screening?
Relating to question 2 above, screenings and tests which do not yield a diagnosis are not covered. However, if an insured person's policy includes a preventative benefit, a Coronavirus test could be paid by such benefit.
If an employee on a company policy is forced to take leave due to Coronavirus symptoms or is diagnosed with Coronavirus, would their coverage ever be limited or cancelled?
No, our policies provide full cover 24/7, 365 days per year for covered conditions. Coronavirus is a covered condition, provided it was not pre-existing the policy issuance. Also, we do not cancel or terminate policies based on diagnosis, so there would be no situation in which we cancel coverage due to a Coronavirus diagnosis.
If an employee is infected by the coronavirus during business trip, either domestic or international, do related claims fall under business travel insurance, for all insurance benefit? Can this be defined as work-related injuries?
Firstly, Coronavirus is a sickness, so it would not be counted as a "work related injury" in any circumstance.
Are medical expenses including evacuation and repatriation related to Coronavirus covered by the policy?
Yes, these two types of expenses would be covered in relation to a Coronavirus diagnosis. However, as with all evacuation cases, the evacuation order subject to the approval of Pacific Cross Insurance is given by the attending physician and is not requested by the insured person. In the case of Coronavirus, it is unlikely that an evacuation order would be given as treatment consists of quarantine and administration of antiviral medications.
For other questions on Covid19 and Pacific Cross Insurance medical coverage, please contact us.