Am I covered by my policy if I get coronavirus?
Yes, all our customers are covered 24 hours a day, anywhere in the world – regardless of travel warnings – so long as the usual terms and conditions of your policy are met.
Are there any additional terms and conditions that would need to be met for coronavirus claims?
There are no special requirements relating to coronavirus. You just need to meet the regular terms and conditions of your policy.
I don’t have coronavirus, but I have lost work due to the impact of it – am I covered by my income protection policy?
Income protection covers you if you can’t work due to illness or injury, and you meet the usual terms of your policy. You would not be entitled to a claim if you can’t work for reasons outside illness or injury (e.g. work or income loss).
What if I recently travelled overseas? Am I still covered?
Yes, all our customers are covered 24 hours a day, anywhere in the world – regardless of travel warnings – so long as the usual terms and conditions of your policy are met.
I’m planning to travel soon – what if I get coronavirus overseas? Am I still covered?
Yes, all our customers are covered 24 hours a day, anywhere in the world – regardless of travel warnings – so long as the usual terms and conditions of your policy are met and subject to the usual terms around payments to Life Insureds who may be overseas.
What if I get stuck overseas and can’t return to work straight away – am I covered by my Income Protection Policy?
Income protection covers you if you can’t work due to illness or injury, and you meet the usual terms of your policy. You would not be entitled to a claim if you can’t work for any other reason.
How is Resolution Life treating applications for new insurance or increased cover?
Our position on underwriting remains unchanged. As always, new applications are underwritten according to Resolution Life’s underwriting philosophy and guideline standards. Medical and financial requirements depend on the customer’s individual circumstances, such as age, the sum insured applied for, and overall disclosures.
Are there additional conditions imposed on customers, who have recently travelled overseas?
There currently are no additional conditions imposed on customers who have recently travelled overseas. However if the customer’s disclosure indicates recent and/or ongoing flu or respiratory infection type symptoms, we may need to find out more and insist on full recovery before offering cover. The expectation is that the customer, as always, meets their Duty of Disclosure requirements.
What about customers who are experiencing cold or flu like symptoms? Can they still apply for new or increased cover?
If the customer’s disclosure indicates recent and/or ongoing flu or respiratory infection type symptoms, we may need to find out more and insist on full recovery before offering cover. The expectation is that the customer, as always, meets their Duty of Disclosure requirements.
What about customers who are known to have COVID-19? Can they still apply for new or increased cover?
The customer will need to wait until a full recovery has been made. This would be the same for any other acute illness.
Will Resolution Life continue to operate during this time?
Please be assured normal business operations are continuing during this time. Resolution Life continues to closely monitor risks associated with COVID-19 in line with our business continuity plans and advice of government authorities.
