Politics
Written by: Zheng Baosheng
2020-02-12 07:00
Last updated: 2020-02-12 07:00The pneumonia epidemic in Wuhan continues to spread. If I unfortunately contract this new type of coronavirus, will I be covered by an insurance policy that I bought for several years?
The Hong Kong Insurance Association has responded to enquiries earlier, pointing out that medical insurance, employee compensation insurance and travel insurance will all have different circumstances, and policyholders should read the terms clearly.
Some insurance companies list Wuhan pneumonia as a covered disease
Recently, some insurance companies on the market announced that the new coronavirus is listed as one of the insured diseases. If the insured is diagnosed and requires compulsory isolation, some insurance companies will provide additional hospital cash protection. There are also insurance companies seeking outpatient and inpatient claims for new coronavirus infections to simplify and prioritize claims.
If they are refused entry, they are generally not covered by travel insurance. (Profile picture)
Rejected entry canceled itinerary generally not covered
In terms of travel insurance, if the itinerary is cancelled due to restrictions on entry (such as refusal of entry or failure to obtain a visa), it is generally not the designated protection risk of travel insurance. Passengers should apply to vehicle operators, such as airlines, for refunds of journey costs.
If a traveller suffers from Wuhan pneumonia during a trip, they need to seek medical treatment at a local registered hospital, which can be covered by overseas medical expenses. If the itinerary needs to be changed, additional accommodation and transportation costs are also guaranteed.
If the passenger suffers from Wuhan pneumonia before starting the journey, and cannot start the journey, they will get the cancellation guarantee.
Under the "Employees' Compensation Ordinance", employers must purchase labor insurance for their employees. The employees are responsible for injuries and deaths caused by accidents at work. (Visual China)
Injuries due to accidents listed as covered
And employee compensation insurance, which is statutory labor insurance, is the most concerned part of wage earners. The general regulations state that during the employment period, an employee is injured due to an accident at work, and the employer is liable under the Employees' Compensation Ordinance and common law.
The Hong Kong Federation of Insurance Associations stated that the new type of coronary pneumonia is not an occupational disease that can be compensated under the Employees' Compensation Ordinance. However, if an employee contracted Wuhan pneumonia during employment, and because of work and physical injury caused by accident, the employee can Recovery of compensation under the Employees' Compensation Ordinance, the final result will be decided by the court.
Chen Jianbo, a member of the Insurance Legislative Council, quoted the opinions of senior legal professionals, referring to the "accident" in the provisions, including "unforeseen unfortunate events". (Profile picture)
Chen Jianbo: accident can be interpreted as "unforeseen unfortunate incident"
Is the illness "accidental"? Member of the Insurance Legislative Councillor Chen Jianbo said in an interview with "Hong Kong 01" that he had consulted senior legal professionals and pointed out that the word "accident" is common in the provisions. In addition to industrial accidents, traffic accidents and other accidents, it actually includes "An unlooked-for mishap or an untoward event which is not expected or designed", and this sudden new type of coronavirus pneumonia can be regarded as "unfortunate unforeseen event", if an employee is unfortunate " "Recruiting" should be within the insured scope.
Chen Jianbo added that the actual protection scope of the policyholders should be based on the individual policy terms. If the policyholders have any questions, they can directly contact the insurance intermediary or insurance company.
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