Can you claim for a minor infection?

At FMI, we are committed to paying claims for serious illness or accidents that prevent our clients from earning their income. This means that minor infections, e.g. a cold that requires bed rest but not hospitalisation, will most likely not be covered. It is important to remind your client that restrictions have been placed on short-term illnesses and no claim will be paid for minor infections e.g. influenza, bronchitis, sinusitis, pneumonia, tuberculosis, or laryngitis (please note that this list is not exhaustive) unless the Life Insured meets certain criteria. In order to claim for a minor infection, the Life Insured must adhere to medical treatment protocol, and meet one of the following criteria:

• Undergoing diagnostic testing
• Specialist consultation (diagnosed with an infection by a specialist)
• Hospitalisation

At FMI, we pride ourselves on paying valid claims. To learn more about our claims statistics and how to claim, visit our website.