Answering your questions about COVID-19
- Is COVID-19 covered by my Asteron Life insurance policy?
Our insurance policies include Life, Funeral, Trauma, Total permanent disability and disability insurance e.g Income protection. These policies cover customers for death or disability that results from injury or illness. If either were to happen as a result of COVID-19, they would be covered by your Asteron Life insurance policy and we would treat the claim as we would any other illness.
The process would be no different when assessing your claim. We would check you met specific claim criteria under the relevant cover, and take into account any special terms and conditions applied to your individual policy.
- Can I claim on my Income Protection insurance policy for COVID-19?
Income protection covers customers when they become disabled due to sickness or injury and can’t work. If you were to contract COVID-19, and that infection resulted in you being unable to work beyond your policy’s agreed wait period, we would consider your claim.
If you were in quarantine but hadn’t actually contracted COVID-19, you would not be considered disabled. This means there’s no income protection claim to consider. The majority of our wait periods are 30 days or more. We believe it would be unusual for someone to be incapacitated by COVID-19 beyond their wait period.
- Is COVID-19 one of the specified conditions covered under trauma insurance?
Infection with COVID-19 is not covered by our trauma policies. However, it’s possible complications of the illness could lead to a trauma event that would be covered such as intensive care, coma or chronic lung failure. In those cases, we would check you met claim criteria under the relevant cover and take into account any special terms and conditions applied to your individual policy.
If you want to know more about your specific policy and situation, please get in touch with your insurance adviser.