Bereavement

In the unfortunate event that COVID-19 leads to a claim, we’ll approach this as we normally would. Please refer to your policy documents for information on what would be a valid claim, including any exclusions that may apply to your policy.
 

Critical Illness Cover

Coronavirus isn’t a specified critical illness under the terms of our policy. In the unfortunate event that you were to develop a critical illness that we cover as a result of Coronavirus, we would approach this claim in the same way as we would usually. For more details of your policy please refer to your policy documents.

Income Protection Benefit

People may be off work due to self-isolation without necessarily experiencing symptoms. Our product terms state that individuals would need to have a medical condition to qualify under our Income Protection Benefit (IPB) terms and conditions.

However, we will consider the medically advised 2 week period of self-isolation as counting towards any work absence, should a diagnosis of COVID-19 be subsequently confirmed.

Please refer to your policy documents for any exclusions that may apply to your policy.

Please note, this only relates to medically advised self-isolation. A customer who is absent from work as a result of being unable to work from home or due to their place of work being closed or service suspended but who has not been medically advised to self-isolate, by 111, a GP or PHE, would not be considered to meet the definition of 'self-isolation'. Similarly, if a customer is following UK Government guidance as part of the lockdown protocols but has not been medically advised to self-isolate, including those people identified as 'at risk' and are requested by the Government to stay at home for 12 weeks, this absence would not be considered as part of any deferred period.