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A quick guide to Life Insurance.
Are there waiting periods applicable where Covid-19 is excluded?
No, generally not for life cover. For funeral cover, a standard waiting period applies for natural deaths.
Is COVID-19 covered in the event of death?
Most life insurers provide cover for the disease, as it causes illness and is considered a natural cause of death. It’s not included under Accidental Death cover, however.
Is COVID-19 testing required for life cover acceptance?
No, but if you have been tested for the virus or are planning to get tested, some insurers may defer cover until the results come out.
What about COVID-19?
Worried about the impact of novel coronavirus on your life insurance? Here are the answers to some frequently asked questions:
Beneficiary
The person or people you choose to receive the life insurance payout when you pass away.
Funeral Cover
A type of life insurance designed to pay for funeral and burial costs when the insured person passes away.
Premium Waiver
A policy feature where the insurer continues your cover without requiring premium payments if you become disabled or unable to work.
Term Life Insurance
A type of life insurance that provides cover for a fixed period (for example 10, 20, or 30 years). If you pass away during the term, the policy pays out.
Waiting Period
A period at the start of a policy during which certain claims (such as natural death) may not be paid out.
Whole Life Insurance
A life insurance policy that provides cover for your entire lifetime and may include a savings or investment component.
