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Does My Term Insurance Plan Cover Death Due to Covid-19?

Published On Mar 10, 2021, Updated On Jun 21, 2021

The COVID-19 pandemic has led the world to an unprecedented state of chaos and immeasurable loss, especially in terms of human life. The deaths due to the disease have been unexpected and in numbers so large that it was a shock to everyone. Amidst it all, it is only natural that one should worry about their term insurance cover and whether it covers death due to COVID-19.

Death due to COVID-19 has been largely seen as being sudden. Its symptoms vary and are manifest quite surprisingly. In such circumstances, it is necessary to secure the financial interests of your family beforehand. It is more so, in a world as unprecedented as it is currently.

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Does Term Insurance Cover for Death Due to COVID-19?

The COVID-19 pandemic is too huge a phenomenon for term insurance companies to not take into consideration. Most insurance companies have answered queries of whether their term insurance plans will cover death due to COVID-19. They have stated that death due to COVID-19 will be treated as a regular death and there will be a regular payout as determined by the plan.

The claimants or beneficiaries will be subjected to a death benefit given that the policyholder had purchased it before being affected by the virus. It is of course imminent that the beneficiaries have all required documents to prove the death of the policyholder. Some of the most important documents include the original policy documents, attested copy of the death certificate, identity proof etc. It is advisable to contact your term insurance company or agent to know more about such details and to avoid confusion as it can lead to claim rejections.

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Make sure to have proper medical certificates and proof to claim the death benefit without facing any unnecessary problems. Avoid lying about any lifestyle habits (like smoking) or comorbidities of the policyholder. The insurance company will undoubtedly be going over all documents and will verify them thoroughly. If caught, your lie will ultimately cause your claim to get rejected. 

Should I Buy Term Insurance during COVID-19?

The precise answer is, yes! It is important, now more than ever, to buy term insurance. The uncertainties of life are higher than ever. It is important, therefore, to ensure financial stability for the future. There are also many insurance companies offering special deals due to the pandemic that you should not miss out on. Due to the sudden nature of the deaths caused by pandemics, it is best to prepare beforehand to avoid inconveniencing your loved ones.

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Always be aware and alert to the terms and conditions of your term insurance plan and make sure your family is too. Take all the necessary precautions to stay safe from the pandemic!

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