I have had COVID-19 and been unable to work
How can MLC Life Insurance help me?
We’re so sorry to hear you’ve been unwell – we hope you’re recovering and getting the care you need. If you’ve caught COVID-19 and can’t work, or your health has been affected in other ways, you may be able to claim on your MLC Life Insurance policy, depending on the type of cover you have. To find out more, check your policy, or read about our different cover types and what they protect.
Life Cover
What it covers
Provides a lump sum payment if you die or you’re diagnosed with a terminal illness
Your cover and COVID-19
There are no specific exclusions for COVID-19 in any of our policies, so you’re covered against COVID-19 in the same way as for any other illness
How it could help
If you were to die from COVID-19, your family could receive a payment to help them pay off debts, take care of day-to-day expenses or invest for the future
Total Permanent Disability
What it covers
Provides a lump sum payment if you suffer a total and permanent disability
Your cover and COVID-19
There are no specific exclusions for COVID-19 in any of our policies, so you’re covered against a disability caused by COVID-19 in the same way as you would be for any other illness
How it could help
If you were to become permanently disabled as a result of COVID-19, you could receive a payment to take care of expenses and protect your lifestyle
Critical Illness (Trauma)
What it covers
Provides a lump sum payment if you are diagnosed with any of the specific critical illnesses listed in your policy
Your cover and COVID-19
There are no specific exclusions for COVID-19, so you’re covered against any health issues it causes, as long as they involve one of the critical illnesses listed in your policy
How it could help
If you caught COVID-19 and your illness resulted in one of the critical illnesses listed in your policy, you could receive a payment to help you and your family take care of expenses while focusing on treatment and recovery
Income Protection
What it covers
Provides a regular income if you can’t work due to sickness or injury (but not unemployment, redundancy or business shutdown)
Your cover and COVID-19
There are no specific exclusions for COVID-19 in any of our policies, so you’re covered against time off work due to COVID-19 in the same way as you would be if you had any other illness
How it could help
If you contracted COVID-19 and were unable to work for longer than the waiting period set by your policy, you could receive a regular monthly payment to help you take care of expenses while you recover
Where else can I go for medical help with COVID-19?
Here’s a list of contacts who may be able to help. And don’t forget that, as an MLC Life Insurance customer, you can use Best Doctors to get a second opinion from a virtual network of specialists.
Wellness services to help you through this difficult time
As an MLC Life Insurance customer, you can use these wellness services at no extra cost.
Best Doctors
Best Doctors connects you and your family to a virtual network of medical specialists. While it doesn’t replace your own doctor, it does help answer your questions and give you more clarity, without leaving home.
Learn moreMental Health Navigator
Mental Health Navigator connects you to a dedicated mental health nurse and a virtual network of clinical psychologists and psychiatrists, so you can get more information about your diagnosis and treatment plan.
Learn moreMore tips and resources
Here are some other articles you may find interesting
