September 1, 2020

Will Your Health Insurance Provider Reimburse You For A COVID-19 Test?

By Newsroom

Official Statement from ATTIC:

ATTIC Health Insurance Providers Committee, which consists of Assuria Life T&T Limited, The Beacon Insurance Company Limited, Guardian Life of the Caribbean Limited, Maritime Life (Caribbean) Limited, Pan-American Life Insurance Company of Trinidad and Tobago (PALIG), Sagicor Life Inc. and Trinidad & Tobago Insurance Limited (TATIL), issues this guidance to address recent queries from policyholders on COVID-19 test reimbursement.   

The following criteria must be met in order for a policy holder to be considered for a COVID-19 test reimbursement:                                                                                 

-The policyholder must be symptomatic and must have a referral by the doctor to have the test done

-The policyholder is either hospitalized or has an approved medical procedure and the COVID-19 test is a requirement by that facility prior to admission

-The test must be sent to an approved medical lab for COVID-19 testing as indicated in the Ministry of Health regulations

Once these conditions are met, this benefit may be paid under the Diagnostic benefit subject to conditions and limitations of the individual contract provision.

Please also note that the insurer has the discretion to levy a Reasonable & Customary (R&C) charge on the COVID-19 test.