About the Coronavirus
COVID-19


Updated 08 April 2021
 
Coronaviruses (CoV) are a large family of viruses that cause illness ranging from the common cold to more severe diseases such as Middle East Respiratory Syndrome (MERS-CoV) and Severe Acute Respiratory Syndrome (SARS-CoV). Coronavirus (COVID-19) is a new strain that has not been previously identified in humans. 
 
The coronavirus is similar to the common influenza virus. Symptoms include respiratory symptoms, fever, cough, shortness of breath and breathing difficulties. In more severe cases, similar to the common influenza virus, infection can cause pneumonia, severe acute respiratory syndrome, kidney failure and even death. As contagious as the common influenza virus, coronavirus is transmitted via droplets (coughing or sneezing) and via contaminated surfaces.
Our customers are covered for treatment of COVID-19 until discharge from home or hospital for this acute event, subject to the terms and conditions, benefit limits and area of cover of the policy.
In most countries the vaccination against Covid-19 is only available via government funded programmes which provide the service free of charge. When Covid-19 vaccinations become available from private medical providers, for a fee, and are no longer solely provided by Governments, we will cover the cost of if:
  • The vaccination benefit is included in the customer’s policy
  • The vaccine has been fully developed, approved and licensed for use in the jurisdiction where it’s being requested
  • Cover for the vaccination is in line with Government policy in the country where it’s being administered
In relation to cover for treatment of Covid-19 and vaccination for Covid-19, please note that our terms and conditions, benefit limits and area of cover apply and costs must be reasonable and customary. Visit our FAQ to see our terms and conditions and to find out more. Cover is not provided if any element of the cover, benefit, activity, business or underlying business violates any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations.
The 
WHO 
has shared some helpful information on how to reduce your risk of infection. Up to date information on the coronavirus outbreak including suggested precautions and travel advisory notices is available from: https://www.who.int/health-topics/coronavirus.
Vaccines are an effective way to protect people from serious preventable diseases. They stimulate our body to build immunity/resistance to a specific germ. There are currently many scientific labs working on a Covid-19 vaccine. Some are based on traditional methods for producing vaccines and others are using newer methods. Here are some of the most common vaccines that have become approved by several nations’ health committees:
vaccine Astra Zeneca
  • Technology: Viral Vector
  • Efficacy: 70% -90%
  • Licensing: Passed all 3 clinical trials
  • Doses required: 2
vaccine pfizer
  • Technology: mRNA
  • Efficacy: 95%
  • Licensing: Passed all 3 clinical trials
  • Doses required: 2
vaccine moderna
  • Technology: mRNA
  • Efficacy: 95%
  • Licensing: Passed all 3 clinical trials
  • Doses required: 2
vaccine sinovac
  • Technology: Inactivated virus
  • Efficacy: 50% -70%
  • Licensing: In phase 3 clinical trials in the general population
  • Doses required: 2
vaccine sputinik V
  • Technology: Viral Vector
  • Efficacy: 92%
  • Licensing: In phase 3 clinical trials in the general population 
  • Doses required: 2
vaccine J&J
  • Technology: Cold Virus Technology
  • Efficacy: 66%
  • Licensing: Passed all 3 clinical trials
  • Doses required: 1
covid mask

Please remember to always wear your mask in public and when meeting someone who is not part of your own household. 
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If you are experiencing any health concern for which you would have sought medical attention prior to the COVID-19 pandemic, you still need to do so. Don’t Put It Off!


For cover related queries, call our dedicated helpline number on COVID-19 +353 76 670 1219