Does Your Medical Insurance Cover You For Coronavirus & What You Need To Know

The coronavirus outbreak is spreading quickly in China and beyond, and the World Health Organisation has declared a Public Health Emergency of International Concern (PHEIC).

William Russell has members who are resident in countries affected by coronavirus — particularly in China, Hong Kong, and Southeast Asia — so we are clarifying coverage under our plans.


How Can We Protect Ourselves?


Circulating in the press and social media you’ll find many guides, videos, and checklists for protecting yourself against infection. To avoid misinformation, the best thing to do is keep checking official guidance from the World Health Organisation.


Are Members Covered?


Members with a health plan from William Russell are covered for the treatment of coronavirus (COVID-19) as they would be for any other viral infection provided they don’t have personal medical exclusions on their Certificate of Insurance that would apply to the necessary treatment.


For example, if a member has a personal medical exclusion for ‘respiratory conditions’ or any other condition that might be affected by coronavirus, they wouldn’t be covered for the diagnosis and treatment of their excluded condition.


Members with a life plan from William Russell are covered if they die as a result of infection by coronavirus (COVID-19) as they would be for any other viral infection provided they don’t have applicable personal medical exclusions on their Certificate of Insurance.


Members with an income protection plan from William Russell are covered if they’re unable to work as a result of infection by coronavirus (COVID-19) as they would be for any other viral infection provided they don’t have applicable personal medical exclusions on their Certificate of Insurance.


For example, if a member has a personal medical exclusion for ‘respiratory conditions’ or any other condition that might be affected by coronavirus, they wouldn’t be covered for the diagnosis and treatment of their excluded condition.


Where are members covered?


With a health plan from William Russell, members are covered for medical treatment in the area of cover specified on their Certificates of Insurance. Members don’t need to leave the country where they live to seek treatment, even if that country is China.


With a life or income protection plan from William Russell, the position is similar. Members remain covered whilst they’re in a country affected by coronavirus, including China.

ASTRAASIA

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