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  • Kristen Kaweck

Coronavirus (COVID-1) Information - What You Need To Know

It is important as a consumer to understand that the coronavirus pandemic is not something that can be easily understood. There is no way to know exactly how quickly the pandemic will grow and where it will go. There is also no way to know how it will effect the economy or business in general.



The travel medical insurance market will change


Travel medical insurance carriers and other companies in the travel medical space have not seen something like this probably ever (depending on how old the company is). There is no way to predict how insurance carriers with change their policies based on certain criteria in regards to the virus, and where it is located. They could even potentially change the wording altogether. It is essential that consumers who wish to travel understand that these policies could start to change very soon if not already. The qualifications and underwriting will need to adapt to the rapidly changing environment among us. If you wish to travel outside of your home country, make sure you buy travel medical insurance, but also read and re-read your policy conditions to make sure you understand what the terms and conditions are if you contract an illness, especially the coronavirus.



Some companies will continue to cover illnesses as per the policy wording


In saying that, companies like TMHCC as of now will continue to cover you if you contract the coronavirus in a country that the Center for Disease Control (CDC) has not already issued a level 3 travel warning. TMHCC states,


"As of February 25, 2020, China and South Korea are at level 3 and therefore any travel to those countries is not advised and there will be no coverage for the Coronavirus if a participant becomes infected in those countries if a) they have traveled to those countries after the CDC warning was issued, or b) they have failed to depart the country within 10 days of the warning."


Symptoms, recommendations, and resources


For confirmed coronavirus disease 2019 (COVID-19) cases, reported illnesses have ranged from mild symptoms to severe illness and death. Symptoms can include:

  • Fever

  • Cough

  • Shortness of breath


There is no specific antiviral treatment recommended for COVID-19. People who think they are exposed to COVID-19 contact healthcare providers immediately. You can also find accurate information from the following sources:

https://www.cdc.gov/coronavirus/2019-ncov/index.html




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