Coronavirus Disease (COVID-19)

This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance and/or governing policy documents (together the ‘Insurance Contract’). The Insurance Contract is the only source of the actual benefits provided.

Within the IMG Globehopper Plan range, we do provide cover for COVID-19 provided no other exclusions or limitations apply and provided the insured has not travelled in contradiction of a travel advisory or travel warning.

HOWEVER, care should be taken that if you have a suspected case of coronavirus you must follow local Government/Health Department recommendations in terms of receiving treatment or attending a medical facility and you should call local authorities for advice BEFORE seeking treatment under the IMG Europe plan. This advice should be followed – we will not be able to recommend any actions outside of this.

Below are some specific Question and Answers which may assist with any questions or concerns.

The most recently discovered coronavirus causes coronavirus disease COVID-19. The disease was first reported from Wuhan, China in December 2019. On 11 March 2020, the International Health Regulations Emergency Committee of the World Health Organization (WHO) declared the outbreak of COVID-19, a “global pandemic.”

Yes, provided you have not travelled in contradiction of a travel warning or travel advisory from your country of residence or your destination country. COVID-19 will be treated as any other illness and will be subject to all the usual terms and conditions of the insurance plan or policy.

Important note: If you have a suspected case of COVID-19 you must follow local Government/Health Department recommendations in terms of receiving treatment or attending a medical facility and you should call local authorities for advice BEFORE seeking treatment under the IMG Europe plan. This advice should be followed – we will not be able to recommend any actions outside of this.

If you travelled in contradiction of a travel warning or travel advisory from your Country of Residence and then contracted COVID19, no benefits will be available for the care or treatment of the virus.

Yes, you will be covered for the care and treatment of COVID-19 subject to any other limitations or exclusions in your policy.

Our Globehopper plans do not cover pre-existing conditions, and this remains the case with COVID-19.  Thus, your usual treatments and medications for any pre-existing condition would be excluded as usual. However, if your COVID19 diagnosis causes symptoms related to your pre-existing condition, then claims will be considered on a case-by-case basis.

Evacuation cover is provided for conditions covered under the insurance (an “Eligible Medical Condition”) when emergency in-patient treatment is not available locally. However, if appropriate treatment is available locally then this benefit will not be considered.

Please note we will be obliged to follow the advice and restrictions from the government or health authorities of the country you will travel from and to if we were looking to evacuate or repatriate, and hence the ability to do so may not be within our control. We will also be unable to guarantee availability to evacuate/repatriate if airlines, local governments and global organisations apply restrictions.

If you are admitted to a State or Charitable Hospital for an eligible medical condition and no claim is submitted under this policy for reimbursement of costs, then you are eligible for the cash benefit. Subsequently, if the State or Charitable Hospital were to submit a claim for costs in their facility after we have paid out under the cash benefit, we would not cover the medical claim as well. All other policy terms and conditions would continue to apply.

COVID-19 itself does not affect this benefit. However, our standard terms state that we will not pay claims under this benefit if your local government has issued a travel advisory or warning against travel to another country in the 6 months prior to you travelling there. Clearly most countries now have significant travel advisories and it is likely this benefit would not be payable for new travel.  

Provided your plan includes travel related benefits, you may be entitled to Missed Departure and Journey Disruption benefits if a qualified national or local authority issued a travel advisory or warning for your destination.  Please refer to the specific wording in your plan.

We do not cover experimental, unlicensed or unproven treatments, regardless of whether treatment is medically recommended or prescribed. This applies in respect of any illnesses, not just COVID-19.

Isolation and quarantine treatment costs in an appropriate medical facility will be covered for COVID-19 where another exclusion or limitation does not apply and you have been instructed to quarantine by an authorized official of the country you are being treated in.

Provided the consultation is for an eligible medical condition and is medically necessary, your plan will cover a teleconference consultation as it would any face-to-face consultation. Standard policy terms and conditions would apply.

Yes, provided you pay any additional premium for the extension period. If you were covered for COVID-19 on your original plan (i.e. you had travelled there prior to any travel advisories against such travel) then your extension plan will also continue to provide the same level of cover in that country.

Yes, provided you pay any additional premium for the extension period. If you were covered for COVID-19 on your original plan (i.e. you had travelled there prior to any travel advisories against such travel) then your extension plan will also continue to provide the same level of cover in that country.

This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance and/or governing policy documents (together the ‘Insurance Contract’). The Insurance Contract is the only source of the actual benefits provided.

Within the IMG Global Select Plan range, we do provide cover for COVID-19 provided no other exclusions or limitations apply and provided the insured has not travelled in contradiction of a travel advisory or travel warning.

HOWEVER, care should be taken that if you have a suspected case of COVID-19 you must follow local Government/Health Department recommendations in terms of receiving treatment or attending a medical facility and you should call local authorities for advice BEFORE seeking treatment under the IMG Europe plan. This advice should be followed – we will not recommend any actions outside of this.

If you are advised by local Government/Health Department to attend a local medical facility IMG Europe will honour claims as with any other condition, subject to usual policy terms and conditions.

The most recently discovered coronavirus causes coronavirus disease COVID-19. The disease was first reported from Wuhan, China in December 2019. On 11 March 2020, the International Health Regulations Emergency Committee of the World Health Organization (WHO) declared the outbreak of COVID-19, a “global pandemic.”

Yes. Provided you have not travelled in contradiction of a travel warning or travel advisory from your country of residence or your destination country, COVID-19 will be treated as any other illness and will be subject to all the usual terms and conditions of the insurance plan or policy.

If you travelled in contradiction of a travel warning or travel advisory from your Country of Residence and then contracted COVID19, no benefits will be available for the care or treatment of the virus.

Yes, you will be covered for the care and treatment of COVID-19 subject to any other limitations or exclusions in your policy.

If there is an exclusion for a specific condition on your plan then this will continue to be excluded from cover. Your usual treatments and medications for any pre-existing condition would be excluded as usual. However, if your COVID19 diagnosis causes symptoms related to your pre-existing condition, then claims will be considered on a case-by-case basis.

Evacuation cover is provided for conditions covered under the insurance (an “Eligible Medical Condition”) when emergency in-patient treatment is not available locally. However, if appropriate treatment is available locally then this benefit will not be considered.

Please note we will be obliged to follow the advice and restrictions from the government or health authorities of the country you will travel from and to if we were looking to evacuate or repatriate, and hence the ability to do so may not be within our control. We will also be unable to guarantee availability to evacuate/repatriate if airlines, local governments and global organisations apply restrictions.

If you are admitted to a State or Charitable Hospital for an eligible medical condition and no claim is submitted under this policy for reimbursement of costs, then you are eligible for the cash benefit. Subsequently, if the State or Charitable Hospital were to submit a claim for costs in their facility after we have paid out under the cash benefit, we would not cover the medical claim as well. All other policy terms and conditions would continue to apply.

COVID-19 itself does not affect this benefit. However, our standard terms state that we will not pay claims under this benefit if your local government has issued a travel advisory or warning against travel to another country in the 6 months prior to you travelling there. Clearly most countries now have significant travel advisories and it is likely this benefit would not be payable for new travel currently. 

We do not cover experimental, unlicensed or unproven treatments, regardless of whether treatment is medically recommended or prescribed. This applies in respect of any illnesses, not just COVID-19.

Isolation and quarantine treatment costs in an appropriate medical facility will be covered for COVID-19 where another exclusion or limitation does not apply and you have been instructed to quarantine by an authorized official of the country you are being treated in.

If coverage is available and you are self-isolating at home or elsewhere, we will only cover medicines, treatment and advice provided by a medical practitioner for an eligible medical condition per the terms and conditions of your plan, and not for any other incidental costs.

Provided the consultation is for an eligible medical condition and is medically necessary, your plan will cover a teleconference consultation as it would any face-to-face consultation. Standard policy terms and conditions would apply.

This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance and/or governing policy documents (together the ‘Insurance Contract’). The Insurance Contract is the only source of the actual benefits provided.

Within the IMG Global Fusion Plan range, we do provide cover for COVID-19 provided no other exclusions or limitations apply and provided the insured has not travelled in contradiction of a travel advisory or travel warning.

HOWEVER, care should be taken that if you have a suspected case of COVID-19 you must follow local Government/Health Department recommendations in terms of receiving treatment or attending a medical facility and you should call local authorities for advice BEFORE seeking treatment under the IMG Europe plan. This advice should be followed – we will not recommend any actions outside of this.

If you are advised by local Government/Health Department to attend a local medical facility IMG Europe will honour claims as with any other condition, subject to usual policy terms and conditions.

The most recently discovered coronavirus causes coronavirus disease COVID-19. The disease was first reported from Wuhan, China in December 2019. On 11 March 2020, the International Health Regulations Emergency Committee of the World Health Organization (WHO) declared the outbreak of COVID-19, a “global pandemic.”

Yes, provided you have not travelled in contradiction of a travel warning or travel advisory from your country of residence or your destination country. COVID-19 will be treated as any other illness and will be subject to all the usual terms and conditions of the insurance plan or policy.

If there is an exclusion for a specific condition on your plan then this will continue to be excluded from cover. Your usual treatments and medications for any pre-existing condition would be excluded as usual. However, if your COVID19 diagnosis causes symptoms related to your pre-existing condition, then claims will be considered on a case-by-case basis.

Evacuation cover is provided for conditions covered under the insurance (an “Eligible Medical Condition”) when emergency in-patient treatment is not available locally. However, if appropriate treatment is available locally then this benefit will not be considered.

Please note we will be obliged to follow the advice and restrictions from the government or health authorities of the country you will travel from and to if we were looking to evacuate or repatriate, and hence the ability to do so may not be within our control. We will also be unable to guarantee availability to evacuate/repatriate if airlines, local governments and global organisations apply restrictions.

If you are admitted to a State or Charitable Hospital and no claim is submitted under this policy for reimbursement of costs then you are eligible for the cash benefit. Subsequently, if the State or Charitable Hospital were to submit a claim for costs in their facility and we have paid out under the cash benefit we would not cover any medical claim as well. All other policy terms and conditions would continue to apply.

COVID-19 itself does not affect this benefit. However, our standard terms state that we will not pay claims under this benefit if your local government has issued a travel advisory or warning against travel to another country in the 6 months prior to you travelling there. Clearly most countries now have significant travel advisories and it is likely this benefit would not be payable for new travel currently.

We do not cover experimental, unlicensed or unproven treatments, regardless of whether treatment is medically recommended or prescribed. This applies in respect of any illnesses, not just COVID-19.

Isolation and quarantine treatment costs in an appropriate medical facility will be covered for COVID-19 where another exclusion or limitation does not apply and you have been instructed to quarantine by an authorized official of the country you are being treated in.

If coverage is available and you are self-isolating at home or elsewhere, we will only cover medicines, treatment and advice provided by a medical practitioner for an eligible medical condition per the terms and conditions of your plan, and not for any other incidental costs.

Provided the consultation is for an eligible medical condition and is medically necessary, your plan will cover a teleconference consultation as it would any face-to-face consultation. Standard policy terms and conditions would apply.