What you need to know about our cover
Whilst the Coronavirus outbreak dominates the headlines, we understand that it may raise questions on how the outbreak affects our products. We’ve prepared a series of frequently asked questions which we hope will help answer some of your questions:
Q1: Are there any specific exclusions under any group policy Omnilife operate in respect of the COVID-19 or any other condition, whether declared as a pandemic or not?
A1: There are no specific exclusions under any group policy in respect of COVID-19 or any other condition, whether declared as a pandemic or not.
Q2: In relation to life assurance, would a pandemic be considered as a trigger point for measuring fatalities against our catastrophe limit?
A2: A pandemic would be considered as a trigger point for measuring fatalities against our catastrophic limit.
Q3: What is Omnilife’s position for cover in relation to individuals who travel overseas to a location against Foreign & Commonwealth Office (FCO) advice.
A3: Cover for any member travelling to areas contrary to Foreign & Commonwealth Office (FCO) advice will be restricted to death by natural causes only. COVID-19 would be classed as a natural cause.
Q4: Please confirm Omnilife’s position where an employee is already overseas in a location that subsequently becomes a restricted location from a Foreign & Commonwealth Office (FCO) perspective.
A4: Cover for death by any cause would be provided for employees who are already overseas in a location, that subsequently becomes a restricted location from a Foreign & Commonwealth Office (FCO) perspective.
Q5: Does Omnilife have business continuity plans in place because of COVID-19?
A5: In line with best practice, Omnilife and the RGA Group have in depth contingency plans for a wide variety of risks and we have organised our IT and other infrastructure accordingly. We have been carefully monitoring the progress of COVID-19 and the rapidly altering advice from governments and medical professionals. Our goal is to protect the interests of our staff, customers and other stakeholders, and to balance meeting the needs of all our stakeholders. We have taken the decision to close our London office from the close of business on 18 March 2020. Our staff will be working remotely using secure IT and telephony links. We will continue to monitor the situation closely.
Q6: Are there any changes to the claims process due to the Omnilife office closure because of COVID-19?
A6: When the Omnilife office closes, Omnilife will accept scanned certified copies of Death Certificates from intermediaries. If the intermediary is unable to provide this due to their office being closed, Omnilife will accept a scanned copy from the deceased member’s family. This will only be during the period effected by the virus and only for claims up to £1m.
If you need to send Omnilife any other documents, please send them electronically (except in the case of Direct Debit mandates). Please contact Omnilife directly if you need to arrange a new Direct Debit.
We will update this page if anything changes. Please continue to email us as you would normally on admingroup@omnilife.co.uk or claims@omnilife.co.uk.
More information
If you have any other questions about our products, please get in touch with us on: admingroup@omnilife.co.uk.
If you have any questions about a claim, please get in touch with us on:
claims@omnilife.co.uk.