COVID information – AON Insurance advice
AON Advice April 2020:
Your policy will continue to cover you as per the usual policy terms and conditions while you continue to provide health services to your clients, even where your patient alleges they have contracted COVID-19 from you. Please be aware that you must:
- comply with public health laws and with government directives regarding the pandemic; and
- take reasonable precautions to prevent injury/infection or property damage.
We recommend you stay in contact with your relevant registration body and/or association to ensure you’re staying informed of relevant updates or changes that may be announced. Visit the Department of Health website which provides some definitions of what constitutes telehealth services.
If you have any questions or concerns about your coverage, please contact Aon on 1800 805 191.
The above is intended for general information purposes only and not to be relied upon as legal advice. It is current as 2nd April 2020 and may be subject to further updates, however Aon takes no responsibility for providing either comprehensive or up to date information. It also makes no representation as to the accuracy of information received from third parties or in respect of any views expressed by Aon which relate to decisions of third parties (such as your insurer). Please contact Aon on 1800 805 191 if you have any queries.
If you have confirmation from your state government that you’re allowed to provide somatic sex educational services during this pandemic, policy will continue to cover you as per the usual policy terms and conditions. Policy will also continue to cover your somatic sex education services via tele-health (including online sessions via Skype, Facetime, Zoom etc.) subjected to the usual terms and conditions of the policy.
AON FAQs – Mar 2020:
What should I do?
Please abide by the current rules of the government, please do follow the news as they’re changing virus controlling measures every day and hour as you know.
Shall I continue to work in current situation?
We cannot recommend you to continue working or shut down for the time being, it completely depends on the nature of your business and your personal decision.
Will my insurance cover me for Coronavirus (COVID-19)?
Please do not completely rely on insurance and continue working because each claim is different and claims procedure depends on the circumstances and investigation. The circumstances may include high safety measures, hygiene factors, social distancing, government rules at the time etc and also as per the terms and conditions, inclusions and exclusions of the policy. We cannot give a definite answer on whether you claim on coronavirus will be paid or not. Please note that policy will not cover your personal health at all, it would only respond to the third party liability claims.
Can I provide my professional services online via Skype, FaceTime etc?
As per the law, registration body and the association, if you’re allowed work online and your work is suitable to provide online sessions, your policy will consider those online sessions within the scope of your professional activities, hence included in the cover subjected to the terms and conditions of the policy.
Below is the sample consent form, please seek legal advice if you require for your consent form, this is only a sample and may not suitable for your business
To whom it may concern:
This is to confirm that I am fully aware of the Coronavirus (COVID-19) situation, health risks, safety precautions and government laws and restrictions around it however, I would still like to continue my Sexological Bodywork session with <enter your name>. As I sign this form, I confirm that I will not make any complaints against <enter your name> based on/ in relation to Coronavirus (COVID-19). I understand that <enter your name> and any of his/her/their insurance policies will not respond to my complaints/claims on Coronavirus (COVID-19).
ID (DL / Passport)#: