Die HUK-COBURG bezahlt vermutlich keine Spitaleinweisungen und Aufenthalt bei symtomfreien Covid-Fällen.
Die AXA -Sawasdee Versicherung verspricht dies:
Yes, AXA will cover for the medical expense incurred based on medical necessity if you’re tested positive for COVID-19 regardless of the showing of symptoms.
Q: What does Medical Necessity mean?
A: It means medical treatment which meets the following conditions:
(1) in accordance with the diagnosis and treatment for such illness or injury of the patient;
(2) in accordance with medical indication of current medical standard;
(3) not primarily for the convenience of the patient or his/her family or treatment provider solely; and
(4) in accordance with the suitable standard of patient care based on the necessity of injury or sickness of patient
In the determination of Medical Necessity, AXA also follows the guideline published by the Ministry of Public Health.
The display of symptoms is not the only indicator used by AXA in the determination of Medical Necessity. If the medical expense incurred is medically necessary, then AXA will cover even if there is no symptoms. Similarly, a COVID19 test result is not the only indicator used by AXA in the determination of Medical Necessity. If the medical expense incurred is medically necessary, then AXA will cover even if the first COVID19 test result is later determined as a false positive.
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