Does Your Insurance Cover The Coronavirus?

As the coronavirus continues to spread across the Maltese Islands, the population is becoming increasingly worried, not only about their health and safety, but also about the economic implications brought about by the pandemic. Many burning questions revolve around one theme in particular; insurance. The public are unsure of how their various insurance policies deal with Covid-19.

At the outset, it must be stated that this Article will speak in general terms and that each insurance policy must be examined in its own light.

The first thing that one should examine is whether the insurance policy contains any general exclusions. A general exclusion is an exclusion against a specified event, circumstance or activity that will apply over the entire policy, irrespective of when the policy was purchased. Therefore, if a general exclusion applies, the policy will not cover you for such specified event, circumstance or activity. On this note, all insurance policies