On March 11, the WHO declared the Covid-19 coronavirus a pandemic. In Spain it was on March 14 when the state government declared for the second time in history the State of Alarm due to a health emergency. Almost a year later, the number of infections in our country exceeds two million, with more than 53.000 people having died. In the Canary Islands, there are more than 30.000 infections and 466 people deceased at the time of updating this information.
How are private health and health insurers acting against the coronavirus?
Since the health emergency began, insurers have been providing the service related to any insurance with complete normality, and especially medical insurance. The Spanish insurance sector has reiterated its firm and unequivocal collaboration with the measures to control the spread of the coronavirus in Spain.
From ASPE -Alianza de la Sanidad Privada Española- it is highlighted that since the coronavirus crisis began, private health has collaborated with the public sector to combat the pandemic, being available to the health authorities, caring for patients under the command of the public health in the Autonomous Communities.
Is coronavirus covered in my health insurance?
Until now, medical health insurance is guaranteeing health care for all policyholders. For now, health insurers are facilitating access to medical care in the centers arranged by the company, for those people who show symptoms of possible contagion. Private health centers are caring for the sick and obeying the protocols established by the health authorities at all times. In addition, insurers have activated protocols to carry out PCR tests and antigen tests to detect the virus.
What happens to health insurance if the coronavirus is declared a national epidemic?
Until now the coronavirus has been declared by the World Health Organization as a pandemic, which means that the virus has spread practically throughout the planet. Although, in Spain has not declared the coronavirus as a national epidemic. This situation allows private health insurance coverage to treat this disease to be guaranteed.
In the event that the epidemic is officially declared at the national level, this coverage could be suspended in most of the current insurances, since the declaration of a national epidemic is a cause of exclusion included in the majority of medical insurance contracts. Despite this, the president of UNESPA (Insurance Business Association) has declared that "health insurers will continue to cover people with coronavirus even if the crisis is declared a national epidemic."
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