In general, insurance is the undertaking of your risk in the case you hit any event that is covered by the policy. In this very period where more and more H1N1 infection cases reported, and hiking rate of death from the disease, we should make ourselves prepared for any un-expects.

However, there are insurance agents that spread around news that whether his company do covers the H1N1 infection cases, or he might mention that other company actually do not cover H1N1 cases. Typical medical coverage do have stated that exclusion of “any communicable diseases required quarantine by law”.

However, due to market requirement and for the sake of grabbing market share, companies may treat the case as covered under certain condition. The risk is high now that H1N1 could hit anybody, therefore insurance company have to take care of their own risk underwriting as well. The company would not simply undertake any risk because the impact is huge for any wrong decision made during this kind of potential disastrous situation.

For example (just for information and the information is valid as of today, it could be changing from time to time), one of the company do circulate the information that their medical plan do claimable for hospitalization due to H1N1 up to end of December 2009. After the period, the same medical plan that has been purchased before March 2006 is remained claimable, but not for those that purchased after. The same company, for newly enforced policies, it is only claimable after 1 month waiting period from the day of enforcement.

The statement above is just for reference and again, please do not feel hesitate to contact your agent or the company for clarification. Ask them to produce official write ups spell what is the case that being covered and what is not. Normally the agent will tell you only good news but not any bad ones.

Wish you never need to claim the insurance anyway.