Medical doctors and nurses are suspending coronavirus exams over fears they might be left with out insurance coverage for months if they arrive again constructive.
Healthcare employees have additionally delayed exams till after mortgage offers have accomplished, owing to considerations that revenue safety functions might be rejected.
Telegraph Cash has seen an unofficial memo circulating amongst medical employees, which warns that insurers have declined or deferred functions for revenue safety, life insurance coverage and significant sickness insurance policies after candidates have examined constructive for coronavirus.
The British Medical Affiliation has written to the Affiliation of British Insurers to ask that frontline employees will not be left with out cowl.
When insurance policies are deferred, it might depart docs and nurses with out essential cowl for so long as three months.
Mortgages may be accredited with out revenue safety and significant sickness cowl being in place. Nonetheless, folks working in such high-risk sectors may not be comfy taking out a loan with out safety.
Revenue safety plans pay out within the occasion that the policyholder can not work as regular whereas essential sickness cowl affords a one-off cost within the occasion of a critical sickness occurring.
Life insurance coverage affords a lump sum or common funds to the client’s dependants, ought to they die in the course of the time period of the coverage.
The BMA stated employees who took antigen exams shouldn’t be deprived in opposition to those that confirmed signs however had not been examined.
Some insurers fail to distinguish between antigen and antibody exams, the latter of which determines whether or not somebody has had the virus up to now. This may additionally lead to an software being deferred.
A spokesman for the medical commerce physique stated: “The BMA believes that it is essential that staff with symptoms are able to seek an antigen swab test and that this should not result in any disadvantage compared to someone who has had symptoms of Covid but not undergone a test.”
The BMA added: “Healthcare staff should not face additional stress at this time; they should be treated fairly and given clear and supportive information about mortgages and insurance.”
The ABI stated it didn’t wish to discourage anybody from taking a coronavirus check. It stated insurers thought-about an applicant’s well being, the severity of signs and whether or not they had absolutely recovered and had been again at work.
A spokesman stated: “We do not want to discourage anyone from taking a test and have written to the BMA to reassure them that doctors and healthcare workers will be treated the same as other workers when applying for life insurance or income protection.”