What are your Insurance, investment & personal finance plans for the upcoming SARS-like norovirus Epidemic/ Pandemic?

Hi anon,

At this point, hospitalization cover will be critical should you be warded.

As Hariz has pointed out, you can't claim from CI, but should death occur, any plan with death coverage will pay out.

I'd watch my hygiene very carefully at this point and only perform essential travel overseas. I'd seek medical attention if I'm unwell, since it's better to be safe than sorry.

Financially, I'd make sure that I have the usual 12 months of expenses easily accessible to me. If something really happens, I want to have funds to ensure that I can take some time off work to recover. If you have hospitalization leave, then your company will still pay up to 60 days of salary, which should be enough for you to recover and go back to work, but in the unlikely event your recovery takes much longer, an emergency stash of cash will provide a peace of mind.

Medical Insurance 100%.

The virus is not a critical illness like Stroke, Cancer, etc. So existing CI plans won't pay out.

For your personal accident plan if you have a clause to also pay in the event of illness and not just accident, you may be able to claim for medical reimbursement and accidental death.

For Death cover policies, if you die form the virus, there'll be a payout.

So basically nothing much more you can do, just make sure you have a hospitalization plan and hope you stay well. Avoid travelling to areas of high risk of the virus and keep your immunity up with fruits and vegetables.