Are the risks inherent to COVID-19 covered by the insurance policies?

COVID-19 and the official pandemic declaration by the WHO is a novel situation, so you should carefully review your insurance policy to understand whether related insurance claims correspond to risks covered by the policy.
It is important to check if there are no exclusions that would exclude you from the scope of the coverage. Exclusions can be more or less detailed, with more concrete or more general reference to diseases, epidemics or pandemics. It is important to consider how the terms used intersect with the guidelines issued by the WHO and other official health authorities.
A detailed analysis of the policy conditions is also essential to assess the deadlines and contents for notifying the insurance company of the claim, as well as the means of proof required for exercising your rights.


Work Accidents

The infection resulting from the virus is not an accidental event, therefore, in principle, it is not covered under the work accidents insurance. An infection by COVID-19 in a work context (e.g. infection of healthcare professionals) has already been recognised by the World Health Organisation as an occupational disease and as such is excluded from the  work accidents insurance coverage.

For employees carrying out their activity through teleworking, the cover of a work accident will depend on whether the applicable requirements are met. For this purpose, the employer must document the telework, including (i) keeping of an internal record with the names of the workers, (ii) the dates and (iii) the authorised times, (iv) the addresses were the teleworking will be provided and (v) the prior authorisation of the employer.


Personal Accidents

As stated above, the infection resulting from the virus does not correspond an accidental event and therefore, in principle, is not covered by a personal accidents insurance.




This information is being updated on a regular basis.

All information contained herein and all opinions expressed are of a general nature and are not intended to substitute recourse to expert legal advice for the resolution of real cases.