Life Insurance - How COVID-19 affects ?
新型冠狀病毒如何影響人壽保險?
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:
如果您的新型冠狀病毒檢測呈陽性，那麼仍然有個好消息：
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。
若您有更多關於保險的相關問題，歡迎諮詢！
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文章來源 (Source): https://www.entrepreneur.com/article/349107