Does journey insurance coverage protection cowl covid-19 situations?

I’ll most likely be visiting Singapore inside two months nevertheless the present rise in covid-19 situations is a matter of concern. I’ve opted for journey insurance coverage protection. Will this cowl my journey plans?

—Kaustubh

Check the journey insurance coverage protection protection phrases and conditions. Some insurance coverage insurance policies have a traditional exclusion for pandemics, which signifies that they won’t cowl any losses or payments incurred because of covid-19. However, some insurers might need updated their insurance coverage insurance policies to cowl positive covid-19 related payments equivalent to medical remedy, quarantine payments, emergency evacuation, journey cancellation, interruption, or extensions, amongst others.

If you have any queries or issues about your protection, it is on a regular basis biggest to contact your insurer and ask all your associated questions immediately for any clarifications they usually’d be snug to oblige.

If your protection covers covid-19 related payments, you’ll need to understand the scope of safety. Some insurers may cowl solely covid-19 medical payments, nevertheless others may cowl quarantine payments or in case you’re compelled to cancel or postpone your journey because of journey restrictions or quarantine requirements.

Along with covid-19 safety, journey insurance coverage protection insurance coverage insurance policies moreover current safety for various risks equivalent to journey cancellation, baggage loss and delay, personal accident, passport and cell loss, and flight contingencies which can come up all through your journey to Singapore. It will most likely be useful to have a covid-19 damaging report sooner than you start your journey along with a vaccination certificates since some insurers might need a particular requirement of such documentation for a declare settlement.

Tapan Singhel is managing director and chief authorities, Bajaj Allianz General Insurance.

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