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Coronavirus FAQ Mar 2 - V1.4
Coronavirus FAQ Mar 2 - V1.4
General Information
What is COVID-19 After 14 days of self-isolation, do I need to repeat the COVID-19 test? Will my
The Coronaviruses (CoV) are a large family of viruses that cause illness ranging health insurance policy cover the cost associated with repeat test and visit to
from the common cold to a more severe respiratory syndrome. COVID-19 is an my general practitioner?
abbreviation of the current Coronavirus Disease 2019. Your healthcare provider will advise you of the appropriate next steps in your
treatment plan. At this time, benefits for consultations and testing would apply
Is there a vaccine for COVID-19? as indicated in your policy document.
No, currently there is no vaccine to protect against COVID-19.
Should I wear a mask to protect myself from COVID-19?
Will this year’s influenza (flu) vaccine protect me from COVID-19? It is not recommended that healthy people who have not travelled to a
No, the flu vaccine does not protect against COVID-19. COVID-19 affected area wear masks. You should only wear a mask if your
healthcare professional recommends it.
How long is the incubation period for COVID-19?
The “incubation period” means the time between catching the virus and How can the spread of the infection be prevented?
beginning to have symptoms of the disease. Most recent estimates indicate The spread of COVID-19 can be prevented by:
that the incubation period ranges from 1 to 14 days, and most commonly • Washing hands with soap and water
around five days. • Avoid touching your eyes, nose and mouth with unwashed hands
• Avoid close contact with people who are sick
What treatment is available for COVID-19? • Stay home if you are sick to avoid spreading illness to others
Currently, there is no specific treatment for COVID-19. Your healthcare provider
will recommend steps to take to relieve symptoms. The sooner a healthcare Can I travel even if I have no symptoms?
provider is contacted the better your chances of recovery. Your healthcare For non-essential travel to impacted areas, the sensible decision would be
provider may advise you to self-isolate until recovery or for 14 days. In future, to delay travel. You can refer to the travel advisory offered by your country of
only treatment approved by the World Health Organization will be covered by residence, as well as the destination country.
your health insurance policy.
How will COVID-19 come to an end?
There are two ways that COVID-19 will come to an end (i) by stopping
the spread of disease or (ii) identifying a vaccine.
Are the costs of surgical masks and pharmacy supplies covered by my health Will my health insurance policy cover me for an emergency room visit if I don’t
insurance policy? have outpatient coverage?
Surgical masks and pharmacy supplies may be covered as part of inpatient Available benefits will be based on your specific policy document. If you are
benefit only. Outpatient or consumables medical supplies (i.e., mask, gloves, unsure of your coverage, contact the Generali Assistance Centre at the number
hand sanitizer) are not covered by the plan. on the back of your card.
Does my health insurance policy have a medical exclusion for pandemic or Is testing for the COVID-19 considered to be a part of the wellness benefit?
natural disasters? COVID-19 testing is not part of the wellness benefit, however if the member
Yes, a number of policies do have an exclusion for costs associated with presents with flu like symptoms the benefits for consultations and testing would
pandemic and natural disasters. If you are unsure of your coverage, contact the apply as indicated in the policy document.
Generali Assistance Centre at the number on the back of your card.
Does my health insurance policy cover the cost of onsite influenza (flu)
Will my health insurance policy cover COVID-19 related expenses? vaccinations for group employees?
Benefit coverage will be applied as described in your policy document; however, Coverage for the flu shot would be based on the policy specifications for
it is subject to change if the World Health Organization declares COVID-19 a vaccinations. The cost of onsite visit would be the responsibility of the employer.
pandemic.
Do I have coverage for pharmaceutical drugs as prescribed by my doctor to
Will my health insurance policy cover expenses for an evacuation from a region combat COVID-19?
impacted by COVID-19; e.g., China, Italy? Currently there is no known treatment for COVID-19. In future, only treatment
An evacuation would not be covered if the sole purpose of the evacuation approved by the World Health Organization will be recognized and covered by
is to be extracted from a COVID-19 impacted country. If you have a medical your health insurance policy.