The coronavirus broke out in China at the end of 2019. In other countries, people are now infected with the coronavirus. The virus is spread from person to person, but also via the air.
Are you traveling in the area where the coronavirus occurs, or are you traveling here soon? Then you may have questions about your insurance coverage. In this message, we have listed the most frequently asked questions about coverage.
We advise you to always follow the instructions of local authorities. We also advise you to keep an eye on the website of the World Health Organization (WHO): https://www.who.int/emergencies/diseases/novel-coronavirus-2019.
Do you feel sick?
If you have flu symptoms, you should call a doctor as soon as possible. If the doctor has determined that you are infected with the coronavirus, contact the Alarm Service. They can be reached on telephone number +3150 520 9780.
Does my insurance cover the cost of the coronavirus?
Contrary to article 2.18 i General exclusions in the GIC’s for “ International Student Health Insurance Europe 05-2020”, the medical costs related to COVID-19 for all the student insurance policies with a start date from 01 November, 2020 on, are covered.
The insurer reimburses the medical costs as a result of a COVID-19 infection. Repatriation due to the Coronavirus however, is not covered. This applies to all three levels Standard, Comfort and Premium ,up to a maximum insured amount of € 50,000 per policy.
Coverage with negative travel advice (Code Orange)
If you go to your travel destination when negative travel advice is valid for your travel destination, then you are not insured for damage related to the coronavirus. Were you already at your travel destination when the Orange code was issued and are you getting sick? Then you have coverage until you can leave the area. The costs for repatriation to your home country are not insured. If you can leave the area, but you decide to stay, the coverage will expire. The same also applies if negative travel advice is given for another area in the future.
Travel Insurance for tourism and business
If you have a Travel Insurance for tourism and business, the costs for repatriation to your home country are insured.
I'm sick and being treated. The coronavirus is declared an epidemic/pandemic at my destination, while I am sick and being treated. Am I insured?
You are then still covered for medical expenses.
I am in an infected area, but I am not infected myself. I do have to be in quarantine. Is this covered?
No this is not covered.
Can I still cancel my insurance or go home earlier if there is negative travel advice?
You will not receive a premium refund if you go home earlier or decide to cancel the insurance after the starting date of the period of coverage stated on the insurance policy. You can cancel the insurance if the insurance has not yet started (starting date of the period of coverage stated on the insurance policy).
You will then receive a refund of the premium you have paid.
Can I have myself tested preventively for coronavirus?
There is no cover for preventive testing for the coronavirus.