The new Coronavirus Covid-19, commonly known as Wuhan virus, has certainly spread fears globally. With the increasing number of the death toll and affected people, have you wondered if your insurance is a line of defence of your family’s wealth? After all, you have purchased the insurance to protect the uncertain in life right?

Insurance terms and conditions can be complicated. I have gathered and summarized the scattered information and hopeful this article can give you a quick guide. Note that the information below is based on the general insurance industry practice. Your own policy may have different terms. If in doubt, please check with your own adviser.

Generally speaking, the following losses due to coronavirus are covered:

If your policy provides an Accidental Death Benefit, death due to COVID-19 does not qualify as an accidental death.