Epidemics, pandemics and disease outbreaks

Costs related to treatment and/or medical evacuations and/or repatriations directly or indirectly arising from epidemics, pandemics or disease outbreaks of comparable dimension which have been put under the control of the local public health authorities will typically be excluded from coverage under most medical insurance policies. This is because epidemics, pandemics, and disease outbreaks are typically considered to be beyond the control of the individual and therefore not covered by insurance.

However, there is an exception to this rule, such as with the recent COVID-19 pandemic. Most international private medical insurance companies have covered expenses related to the treatment of COVID-19, but have not covered the costs associated with vaccinations, testing if you were positive, test and costs associated with travel restrictions due to the pandemic. This is because the insurance companies have to cover the most important aspects of the disease and the costs associated with it.

It’s important to understand that coverage for epidemics, pandemics, and disease outbreaks can vary among insurance providers and policies. Some insurance providers may offer coverage for certain aspects of these events as add-ons to a policy, but these add-ons may come at an additional cost.

It’s essential for individuals to consult with their insurance providers to fully understand the terms and conditions of their insurance policies and what treatments, tests, and procedures are covered in the event of an epidemic, pandemic, or disease outbreak.