Covid discrimination? Insurers assess the risks


Covid discrimination? Insurers assess the risks

Insurance companies do want to know if you have the coronavirus when you apply for life cover


Three months after suffering a bout of Covid-19 infection, a 34-year-old Pretoria woman decided that it was time to financially secure her future and take out a life cover. To her surprise, when she applied telephonically for a R1m life cover at Standard Bank/Liberty Group on January 29, she was told she didn’t qualify for the cover due to her exposure to the virus.

“The consultant took me through the health-check questionnaire, and one of the questions was whether I’ve had Covid-19 in the past. When I told her that I had tested positive in October she went like ‘oops-a-daisy’! I then asked if there was a problem, and she said, unfortunately I didn’t yet qualify for the life cover that would pay out should I die of natural causes. She said I only qualified for an accidental cover, which left me shocked as I had very mild Covid-19 symptoms and was never even hospitalised.”

“I felt quite discriminated and punished for having tested positive for Covid-19. In fact I even regret disclosing it. Since that day I’ve been warning people not to disclose their Covid-19 status as it can affect one’s future negatively. I felt quite taken aback,” said the mother of one...

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