All about CORONA COVID-19 Protection Cover!

Smartchoice Editorial
March 19, 2020

Corona is an epidemic that has spread to almost 100+ countries in the world, it has now been declared as PANDEMIC by WHO (World Health Organization) around two hundred thousand people have been infected by the COVID-19 and it has claimed thousands of lives all over the world and the count is constantly increasing, be it the infected or the death toll rates.

The humanitarian costs of the coronavirus outbreak continue to mount, with more than 214,000 people infected globally. The number of people confirmed to have died as a result of the virus has now surpassed 8,800.

Countries affected by the coronavirus

Country Confirmed cases Deaths

China 81,080 3,230
Italy 35,713 2,978
Iran 17,361 1,135
Spain 13,910 623
Germany 11,302 27
South Korea 8,413 84
France 9,134 264
US 7,568 117
Switzerland 3,076 33
UK 2,641 105
Netherlands 2,054 58
Austria 1,646 4
Norway 1,550 6
Belgium 1,486 14
Sweden 1,292 8
Denmark 1,115 4
Japan 899 29
Malaysia 790 2
Portugal 642 2
Canada 598 8
Australia 565 8
Czech Rep 464 0
Qatar 442 0
Israel 433 0
Greece 418 5
Brazil 367 1
Finland 359 0
Singapore 313 0
Ireland 292 2
Slovenia 286 1
Pakistan 272 0
Romania 260 0
Estonia 258 0
Bahrain 255 1
Poland 251 5
Iceland 250 1
Chile 238 0
Indonesia 227 19
Thailand 212 1
Luxembourg 203 2
Philippines 202 17
Egypt 196 6
Saudi Arabia 171 0
Iraq 164 12
Ecuador 155 2
India 155 3
Russia 147 0
Peru 145 0
Kuwait 142 0
Lebanon 133 4
San Marino 119 11
South Africa 116 0
The United Arab Emirates 113 0
Slovakia 105 0
Armenia 102 0
Taiwan 100 1
Turkey 98 1
Colombia 93 0
Mexico 93 0
Bulgaria 92 2
Panama 86 1
Serbia 83 0
Croatia 81 0
Argentina 79 2
Vietnam 75 0
Algeria 72 6
Latvia 71 0
Brunei 68 0
Albania 59 2
Hungary 58 1
Jordan 52 0
Belarus 51 0
Sri Lanka 51 0
Costa Rica 50 0
Uruguay 50 0
Cyprus 49 0
Morocco 49 2
Malta 48 0
Palestinian Authorities 44 0
Andorra 39 0
Bosnia and Herzegovina 39 0
Georgia 38 0
Kazakhstan 36 0
Venezuela 36 0
Cambodia 35 0
North Macedonia 35 0
Azerbaijan 34 1
Lithuania 33 0
Oman 33 0
Senegal 31 0
Moldova 30 1
Tunisia 29 0
Guadeloupe 27 0
Afghanistan 22 0
The Dominican Republic 21 1
Burkina Faso 20 1
New Zealand 20 0
Liechtenstein 19 0
Martinique 19 1
Uzbekistan 15 0
Bangladesh 14 1
Ukraine 14 2
Jamaica 13 0
Maldives 13 0
Bolivia 12 0
Reunion 12 0
French Guiana 11 0
Paraguay 11 0
Cameroon 10 0
Honduras 9 0
Monaco 9 0
Guam 8 0
Guatemala 8 1
Nigeria 8 0
Rwanda 8 0
Cuba 7 0
Dem Rep of Congo 7 0
Ghana 7 0
Kenya 7 0
Trinidad and Tobago 7 0
Ethiopia 6 0
Ivory Coast 6 0
Mongolia 6 0
Seychelles 6 0
Puerto Rico 5 0
Aruba 4 0
Equatorial Guinea 4 0
Guyana 4 1
Gabon 3 0
Mayotte 3 0
Tanzania 3 0
Barbados 2 0
Benin 2 0
Greenland 2 0
Kosovo 2 0
Liberia 2 0
Mauritania 2 0
Montenegro 2 0
Namibia 2 0
St Lucia 2 0
Sudan 2 1
Antigua and Barbuda 1 0
Bhutan 1 0
The central African Republic 1 0
Congo 1 0
Eswatini 1 0
Guinea 1 0
Nepal 1 0
Somalia 1 0
St Vincent and the Grenadines 1 0
Suriname 1 0
The Bahamas 1 0
The Gambia 1 0
Togo 1 0
Vatican City 1 0
Diamond Princess 712 0

What is coronavirus?

Coronaviruses are a family of viruses that range from the common cold to MERS coronavirus, which is Middle East Respiratory Syndrome coronavirus and SARs, Severe acute respiratory syndrome coronavirus.

Where do coronaviruses come from?

Coronaviruses are usually circulating in multiple animals and some of these creatures have coronaviruses can transfer between animals and humans. We call that a spillover event. They can easily transmit from animals to humans and then transmit from human to human, its highly contagious and a person having it does not even realize that a person has it till the symptoms are observed.

Is there a treatment for Corona Virus?

There are no specific treatments for coronaviruses, but symptoms can be treated, with care and some flu and influenza medicine.

 

just when the whole situation looks so gloomy and everywhere you turn there is a situation of panic and tension, everyone is confused and is looking forward to practising self-isolation and social distancing to minimize the chances of spread of the Novell-Corona-19, yet it cannot be 100% made sure that one would not be inflicted with.

To address yours and your family concerns, TPL Life has launched a new product which is COVID-19 specific, it would solve all your worries regarding the expenses and hospital concerns, so God forbid even if you fall ill, you can get best of the services from any corona treating hospital without worrying about the cost of expenses incurred and the financial loss at your end.

TPL Life in this time of need has launched a plan that can be purchased through Smartchoice.pk which covers all your needs and concerns in the face of PANDEMIC.

Features of the Plan:

• Coverage for up to 5 family members (more members can be included at an additional premium)

• A maximum of 12 family members can be included on a single policy

• Financial assistance for diagnosis, hospitalization and fatality

Enrollment Criteria & Coverage

Age( who can be the applicant ) 18 to 70 years

Children’s Age (which need to be added in the plan) 6 months to 25 years

Policy Duration (it can be bought for Two time Periods) 3 months or 6 months

Premium Due (When the Premium needs to be paid) On the purchase

Minimum Premium (The least on which policy can be bought) PKR 5,999 (3 months coverage)*

Maximum Premium (The premium for longer period coverage) PKR 11,499 (6 months coverage)*

Initial Benefit upon Diagnosis (It can be claimed on submission of diagnostic Report) PKR 30,000 (per Family)
Hospital Cash Assistance (per night benefit that is spent hospitalized) PKR 5,000 (per Member)
Funeral Expenses in case of Fatality ( God-Forbid, If any of the covered members dies due to Corona) PKR 100,000 (per Member)

*Coverage for 5 family members including self, spouse, parents, siblings or children. For more than 5 members, an additional premium of PKR 1,000 per person will be charged for up to 12 members.

If the test for COVID-19 is positive, please provide certification from a registered medical facility for the claim processing. Please note that pre-existing conditions are not covered.

Step 1

• Download TPL Life’s app
• visit https://tpllife.com/covid19
Scroll through the product list

Step 2

Complete the required application form.

Step 3

Accept the Terms and Conditions and confirm your selected coverage.

Step 4

Select payment method & complete purchase

Requirements for Claim Filing
The following documents will be required to file a claim for diagnosis, which shall be paid by the insurance provider up-front upon presentation of DIAGNOSTIC LABORATORY REPORT
a) COVID-19 screening test report

The following documents will be required to file a claim for hospitalization, IN-CASE you have been hospitalized for the treatment

a) Duly-filled Claim Form

b) Discharge slip

c) Hospitalization bills

d) Any other documents as required by the company

The following documents will be required to file a claim for fatality, IN-CASE of Fatality of any family member due to COVID-19

a) Duly-filled Claim Form

b) Death certificate by hospital and NADRA

c) Any other documents as required by the company

MOST FREQUENTLY ASKED QUESTIONS

Hospitalization for long can be availed via this policy?

You can avail stay in the hospital for the whole duration of your policy, for instance, if the policy is of three months, the company shall pay the expense for the whole three months of hospitalization.

What is considered a pre-existing condition?

The pre-existing condition is the condition if you already have been diagnosed for the COVID-19

Do I need to upload supporting documents to buy the policy?

No, only your CNIC Number and DOB are required to purchase the policy.

Who can be added in the family policy up to 12 members?

You can add your siblings, your parents apart from your wife and children, upon paying 1000 per member as an add-on, for members up to 12 (twelve).

Can I add my adopted son/daughter?

Yes, you can add your adopted son/daughter, provided that you have done all the legal documentation and that child is added in your family ambit as per NADRA Records.

Would I be able to claim from all TPL outlets?

This specific product is of TPL Life and can be claimed through this company only, any of the other group companies of TPL Corp and they are not liable in any context.

How can I claim my hospital stay?

You can apply for reimbursement after being discharged from the hospital, remember it’s not cashless hospitalization and the claim can be processed with original discharge slip from the hospital which mentions the number of days of hospitalization.

How many days will it take to process my claim?

It can take up to five to seven working days after the submission of correct and original documents as required by the insurance provider.

In this time of uncertainty and unclarity, there is a lot of confusion and mess, each and every person is concerned for their own well being and scared, its an epidemic and anyone can fall victim to the pandemic increasing it wrath each day.

Secure yourself in this time of confusion and chaos, buy health insurance for CORONA today and keep yourself financially and emotionally secure in the face of rising health emergency!

May Allah protect us all in the face of this disease, Ameen

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