Posted by (American Life Insurance Guide 02/07/2020 News) This time starting from WuhanNew modelCoronavirusThe epidemic, by 1:30 on January 24, the number of confirmed cases in China has exceeded China’s atypical in 2003.pneumoniaThe number of confirmed cases of (Sass), a total of 213 deaths.
Due to the impact of the new coronavirus, the World Health Organization announced on January 2020, 1New coronavirusThe epidemic has become a "public health emergency of international concern".
On January 2020, 1, the U.S. government announced that the new coronavirus from Wuhan, China (Wuhan pneumonia) Is a "public health emergency" and people who may spread the disease will be temporarily barred from entering the country.
From the end of January to February 2020, 1, many American airlines have suspended flights to mainland China and Hong Kong.
Because of the continuous development of the novel coronavirus epidemic, the market for mainland Chinese and Hong Kong residents to go to the United States for insurance has become confusing.until now,Very fewLife insurance companyCorrectInsurance for foreignersThe rules were temporarily revised and official documents and instructions were issued.At present, according to the documents received, two U.S. insurance companies have made clear adjustments to the underwriting rules for the new coronavirus epidemic. The following is the specific content:
Transamerica
January 2020, 1: Temporarily adjusted the new policy application and policy review criteria in the Pending state.During the active period of the new coronavirus, if the applicant is from China or Hong Kong, or currently stays in the region, a 28-day suspension of observation will be implemented and the application can be submitted after 30 days.All insurance policies submitted within 30 days will be rejected.
Update on February 2020, 2:The World Health Organization listed the new coronavirus epidemic as an international public health emergency on January 1, and Transamerica adjusted the conditions for underwriting again.The tentative 30-day suspension period will be extended according to changing circumstances.
Transamerica also pointed out in the document that after the relevant environment changes, it will adjust back to the "normal" underwriting standards in a prudent manner.
April 2020, 4: Update the insurance plan for exempting foreigners from medical examination.ViewDetails report.
Effective immediately on February 2020, 2:National Life will now"Postpone"Insurance applications from residents of China and Hong Kong to the United States. Residents of this regionNew application policy和A policy that has been applied for but has not been underwritten and approved, Will be affected by this.
-For insured persons who have traveled to, or plan to travel (travel or visit) to countries or regions with the fourth-level travel ban, a 4-day delayed observation period will be implemented after returning to the United States.
-Unless the ban is lifted, whateverHow closely related is the U.S., Does not accept people (residents or others) from countries or regions with a fourth-level travel ban to insure.
Up to now, the American Life Insurance Guide has also sought verification from other major major insurance companies. The insurance company has not yet responded. Through unofficial channels, an anonymous person’s reply from a major insurance company is based on individual considerations. Wait for further internal meeting to resolve.
Before the travel ban is lifted,New crown virusWill the impact on the foreign market of U.S. insurance companies continue to spread?The American Life Insurance Guide Network will follow up and report further.
-2020/03 Update:Symetra /Lincoln/AIG Suspended 30-day application for insurance policies for foreigners going to the United States (affected areas and travel prohibited areas).
