The entire world is battling the global pandemic that has come to be known as the COVID-19 which is caused by the novel Corona Virus that is suspected to have originated in the Wuhan Province of the Peoples’ Republic of China. Most Ugandans have been left wondering whether or not the medical insurance policies that they have taken out with their respective insurance policy providers (or call them insurers) cover COVID-19.
Given the unprecedented nature of this disease it is hardly surprising that some insurance companies in Uganda came out very clearly and informed their clients that COVID-19 was not covered by the medical insurance policies that they held. As outsiders, we can only speculate that the reason why this was the case is because the insurers were not certain on how the risk that the disease brings could be assessed and it would therefore be reckless or even risky to take it on. That no one has grasped the manner in which the said virus can be contained with certainty as well as the rate at which it spreads did not really help matters. Naturally, the insurers chose to mitigate any loss/risk exposure on account of the above and chose to leave COVID-19 outside the scopes of their medical policies.
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