CORONAVIRUS (COVID-19)

We together with the underwriters, continue to monitor events closely and in line with Government guidance.

Accident, Sickness and Unemployment Insurance

We have put together some clarifications regarding our Accident Sickness and Unemployment policies for both administration and claim

• Sickness - in the event you are signed off as sick by your GP or doctor for longer than your policy excess or waiting period due to the Coronavirus, your claim will be assessed.
• Self-Isolation - in the event you are required by your employer or you are medically advised to self-isolate, these claims will be outside of the normal policy terms and conditions and therefore as standard would not be covered.
• Unemployment - in the event you are made redundant by your employer, you will be able to claim as per the normal policy terms and conditions. However please note that in the event your employer asks you to accept reduced pay or temporarily lays you off, you would not be able to claim for unemployment benefit.

Some Q & As' that should help you

Q. Can I claim if someone in my household is showing signs or symptoms?

A. No regretfully not

Q. Can I claim if I am caring for someone who is showing signs or symptoms of the Coronavirus?

A. No regretfully not

Q. Can I claim if my company is in lock-down or I am sent home?

A. No, you will only be covered if you are made unemployed.