Long Covid affects the ability of millions of people to live a normal life. Three SA insurance companies chatted to Health24com about how they are handling the condition.
, who was ventilated for 18 days after contracting Covid in December 2020. A couple of months later, the 46-year-old had to resign “from a career [she] thoroughly enjoyed”.
Morkel explained: “There isn’t something on our sickness or temporary income benefit, for example, that says we won’t consider any new diagnosis, or anything that may not be mainstream medicine and has not been put in a diagnostic code.”When applying for insurance for long Covid, Sanlam will need detailed information from your healthcare professional which they will then use to assess the risk based on the product you applied for.
However, if a client qualifies for cover and their condition improves or stabilises, they are encouraged to ask Sanlam to review changes to their insurance policy. Underwriting refers to the process insurance companies use to determine the risks involved in insuring people or their assets.
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