Assurity sells many types of life and supplemental health insurance. Coverage and benefit determinations are always based on the specific policy provisions and require submission of a claim, at which point the specifics of the policy are reviewed. Assurity encourages policyowners questioning whether COVID-19 related benefits are available to either access claim forms by visiting Assurity.com or MyAssurity.com, or call us at 800-869-0355 for assistance.
Generally speaking, the following is applicable to COVID-19 related coverage for the following types of insurance:
Disability Income Insurance
A COVID-19 diagnosis is treated as any other sickness. If the definition of disability and the elimination period are satisfied, and all other policy provisions are met, COVID-19 related disability claims would generally be eligible for benefits. Simply being quarantined due to COVID-19 circumstances or exposure, without diagnosis and sickness, does not meet the definition of disability.
Critical Illness Insurance
COVID-19 is not a covered condition under our Critical Illness products.
Accident Expense Insurance
Accident Expense insurance does not provide benefits for the diagnosis or treatment of COVID-19.
Hospital Indemnity Insurance
Admission/confinement resulting from positive diagnosis of COVID-19 would generally be eligible for benefits provided all other provisions of the policy are met.
COVID-19 is not a covered condition under our Cancer Expense products.
Wellness Benefits and Riders
COVID-19 testing is generally not a covered test under our Wellness Benefit; however, most major medical plans and many government programs provide free COVID-19 testing.
Outpatient Sickness Care and Telemedicine Benefits and Riders
Some worksite hospital indemnity and accident expense plans may include benefits for outpatient sickness or telemedicine benefits, which would include COVID-19 related visits, provided all other provisions of the policy are met. Policy specifics will dictate any coverage.
A death claim following a COVID-19 diagnosis would likely be payable assuming all other provisions of the policy are met.
Accidental Death or Accidental Death & Dismemberment
A COVID-19 diagnosis or death resulting from COVID-19 is not a covered condition under our Accidental Death or Accidental Death & Dismemberment coverages.