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Life Insurance - How COVID-19 affects ?

Life Insurance - How COVID-19 affects ?


If you have an active life insurance policy and you were to die of a pandemic illness such as COVID-19, your family would receive the death benefit — even if you had traveled to an area with a known outbreak of the coronavirus.如果您已擁有一份有效的人壽保險單,而不幸因像新型冠狀病毒這樣的流行性疾病而死亡,即使您至已知的新型冠狀病毒爆發地區旅行,您的家人也將獲得死亡利益。

Here’s the good news 好消息:

If you don’t have life insurance coverage now, you can still apply. However, If you’re planning to travel to a country where a significant number of COVID-19 cases have been reported, you should probably wait to complete your application until after you’ve returned. If you’ve recently traveled to a country with a high concentration of COVID-19 cases, the insurance company you’re applying to might suspend your application for up to 30 days, or possibly longer in some cases.如果您現在沒有人壽保險,您仍然可以申請。但是,如果您打算前往已知的新型冠狀病毒爆發地區旅行,則應該等到返回後再完成申請手續。如果您最近去過已知的新型冠狀病毒爆發地區旅行,則您申請的保險公司可能會暫停您的申請長達30天,有時甚至會更長。

If you test positive for the coronavirus, there’s still good news:


You can still apply for coverage, although you can expect the insurance company to postpone any decisions on your application for 30 days or so, until you’ve made a complete recovery. It’s possible that some insurers could decide to reject applications for people who are infected with the coronavirus, even if they have no symptoms. 您仍然可以申請承保,但保險公司有可能會將您申請中的保險決議推遲約30天左右,直到您完全康復為止。即使沒有症狀,一些保險公司也可能決定拒絕接受新狀冠狀病毒感染者的申請。


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