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Blogs | Health

Coronavirus (COVID-19): What You Need to Know

The coronavirus outbreak is spreading quickly in China and beyond, and the World Health Organisation has declared a pandemic.

We have members who are resident in countries affected by coronavirus—particularly in China, Hong Kong, and Southeast Asia—so we are clarifying coverage under our plans.

How can I protect myself?

Circulating in the press and social media you’ll find many guides, videos, and checklists for protecting yourself against infection. To avoid misinformation, the best thing to do is keep checking official guidance from the World Health Organisation.

Am I covered?

With a health plan from William Russell you’re covered for the treatment of coronavirus (COVID-19) as you would be for any other viral infection provided you don’t have personal medical exclusions on your Certificate of Insurance that would apply to the necessary treatment.

For example, if you have a personal medical exclusion for ‘respiratory conditions’ or any other condition that might be affected by coronavirus, you wouldn’t be covered for the diagnosis and treatment of your excluded condition.

With a life plan from William Russell you’re covered if you die as a result of infection by coronavirus (COVID-19) as you would be for any other viral infection provided you don’t have applicable personal medical exclusions on your Certificate of Insurance.

With an income protection plan from William Russell you’re covered if you’re unable to work as a result of infection by coronavirus (COVID-19) as you would be for any other viral infection provided you don’t have applicable personal medical exclusions on your Certificate of Insurance.

For example, if you have a personal medical exclusion for ‘respiratory conditions’ or any other condition that might be affected by coronavirus, you wouldn’t be covered for the diagnosis and treatment of your excluded condition.

Where am I covered?

If you have a health plan from William Russell, you’re covered for medical treatment in your area of cover, which is specified on your Certificate of Insurance. You don’t need to leave the country where you live to seek treatment, even if that country is China.

If you have a life or income protection plan from William Russell, the position is similar. You remain covered whilst you’re in a country affected by coronavirus, including China.

How can I find out more?

If you are concerned that you’re infected with coronavirus, we urge you to contact the health authorities in the country where you live.

If you would like to find out more about how we are helping our members, please contact our claims team at claims@william-russell.com or +44 1276 486 460.

We are monitoring the situation and we will make updates to our briefing if necessary.

Blogs | Health

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