Foreign Health Insurance Coverage for Coronavirus: A Query Answered
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By Christian Kniese, [email protected]
The ongoing COVID-19 pandemic has brought about unprecedented changes in our daily lives, including travel. As the Coronavirus continues to dominate work, life, and travel worldwide, it's essential to understand the coverage offered by foreign insurers for COVID-19 tests.
The World Health Organization (WHO) has classified the current spread of the Coronavirus as a pandemic. This classification may lead to travel cancellation insurance not paying out in certain cases. However, high-quality foreign health insurance providers, such as those recognised by Stiftung Warentest, cover medically necessary COVID-19 testing abroad if aligned with official health guidelines, including those similar to the Robert Koch Institute (RKI) standards.
Specific conditions for coverage vary depending on the insurance policy. For instance, some insurers cover COVID-19 tests during travel abroad if they are required due to symptoms, suspected infection, or official orders. However, detailed RKI-specific test criteria for insurer coverage abroad are not explicitly stated in the available sources.
Other insurers also cover the Corona test abroad under the conditions that the treating doctor has prescribed the test and the case definition of the Robert Koch Institute is met. The BDAE Group treats prescribed quarantine measures abroad as stationary stays in their travel health insurance and covers the costs to the same extent.
It's crucial to have travel health insurance abroad for adequate and affordable care in case of an emergency. The portal Reiseversicherungen.com has published a compilation of which insurance covers cases caused by a Corona infection in various contexts. The BDAE Group maintains its service portfolio and covers medically necessary treatments, examinations, and medication in the event of a Covid-19 infection.
In light of the pandemic, some travel insurers are refusing to cover Corona cases. Therefore, it's essential to carefully review the terms and conditions of your travel insurance policy. The Foreign Office also recommends checking travel health insurance directly regarding repatriation to the home country.
For more information on the impact of the Coronavirus on tourism, health systems, flight passengers, and consumers, visit our related articles on the topic. The graph from Statista, which provides further insights into the topic, cannot be loaded due to privacy settings.
Tags: Coronavirus crisis, air traffic, health on vacation, health international, refund travel insurance, travel insurance.
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