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).

We have 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 I protect myself?

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 to keep checking official guidance from the World Health Organisation.

Am I covered?

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

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

With a life plan from William Russell, you’re covered if you die as a result of infection by a coronavirus (COVID-19) as you would be for any other viral infection provided you don’t have applicable personal medical exclusions on your Certificate of Insurance.

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

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

Where am I covered?

If you have a health plan from William Russell, you’re covered for medical treatment in your area of cover, which is specified on your Certificate of Insurance. You don’t need to leave the country where you live to seek treatment, even if that country is China.

If you have a life or income protection plan from William Russell, the position is similar. You remain covered whilst you’re in a country affected by a coronavirus, including China.

How can I find out more?

If you are concerned that you’re infected with coronavirus, we urge you to contact the health authorities in the country where you live.

If you would like to find out more about how William Russell are helping their members, please contact their claims team at claims@william-russell.com or +44 1276 486 460.

William Russell are monitoring the situation and they will make updates to our briefing if necessary.


0 Comments

Leave a Reply

This site uses Akismet to reduce spam. Learn how your comment data is processed.

%d bloggers like this: