I am abroad and need medical treatment, does my medical policy with Capital still cover me?
In most cases, yes – provided you have an active policy with Capital, remain employed in PNG and intend to return to PNG you will be covered. Please note that geographical and coverage limits do apply when overseas and not all countries or regions are covered. Please refer to your policy schedule to confirm your geographical and policy limits.
I am in an affected area and wish to be evacuated. Am I covered?
Evacuation will be covered where it is deemed to be medically necessary and for medical reasons only. Cover would not apply for someone wishing to evacuate from an affected area unless they are ill, receiving medical treatment and any repatriation has been deemed medically necessary.
I have a medical condition and my doctor advised that I should not travel due to the risk of infection from COVID-19, am I covered in this instance?
No, if you choose to travel, you will not be covered because at this point a COVID-19 infection would not be an unforeseen illness.
If choose to remain in PNG against my home country’s advice to return home and I get I get critically ill. Am I covered?
Yes, provided you have an active policy with Capital you will be covered for any unforeseen illness or injury should you choose to remain in PNG. Please note however that we cannot guarantee the availability of medical services in PNG should an outbreak occur here.
If choose to remain in the country against my government’s advice to return home and I get critically ill, can I be evacuated?
Yes, if the treatment is not normally available within PNG. However, as we are in the midst of a global pandemic, we cannot guarantee that an evacuation would be possible, depending on local government restrictions and the recipient countries response to coronavirus. There are many variables some of which we cannot foresee, but some things you may have to consider:
- You may not be allowed to travel due to PNG Government travel restrictions.
- The receiving country’s incoming travel restrictions and arrangements.
- The recipient hospital’s capacity in receiving incoming patients from another country such as PNG.
- The recipient country existing medical resources and its capacity in addressing COVID19.
- Air ambulance providers will not carry critical COVID-19 cases.
Will my policy cover repatriation costs for the insured members if they are to be repatriated to countries of their origin as a result of covid19?
No. Policies only provide for repatriation if a covered person is ill or injured within PNG and they are medically required to go back to their countries to seek treatment there.
Am I covered for COVID-19 testing?
No. Testing and related costs will be the local governments arrangement and specific instructions will be issued by the local government on quarantine measures.
I am due to travel to an affected area for work assignment, am I covered?
We advise you to seek local government advice on non-essential travel. If it is essential for you to travel to an affected area, you will be covered for medical treatment under the terms and conditions on your current policy. Travelling to work is considered essential services – there is no cover for anyone not following government advice.
Please contact your broker in the first instance but if you are insured with us directly you may contact us in the following ways: