Question: Is Telemedicine covered under my policy?

Answer: Under normal circumstances, Telemedicine may or may not be covered depending on the type of policy you have. During the term of the COVID-19 pandemic, we are able to temporarily extend coverage for telemedicine services for certain policyholders who are operating in compliance with Altor National telemedicine guidance. If you need this coverage, please talk to your underwriter or agent right away.

Please note that policyholders will need to comply with state licensure laws for not only where they are physically located, but where the patient is located as well. MedChoice will follow any license expansion provided by state and federal governments.

Question: What if I can’t pay my premium due to the COVID-19 crisis?

Answer: Pursuant to the applicable state law, policy cancellation and premium installment due dates will be adjusted if your practice has been disrupted by COVID-19 to ensure there is no break in coverage if you are unable to make payments due to impacts of the emergency.

Question: Are COVID-19 claims covered?

Answer: Because insurance coverage is determined by the specific facts of a claim, we are unable to provide answers regarding insurance coverage until a claim is actually made against a policyholder and reported to Altor National.

Question: Will I be covered if I am asked to temporarily provide care outside my specialty or scope of practice in response to the COVID-19 pandemic?

Answer: If this occurs, please talk to your underwriter or agent right away, so we can help you.

Question: Does my policy cover business interruption?

Answer: Neither the professional liability or general liability coverage issued by MedChoice cover

business interruption losses. Please contract your agent or broker to determine if you have this coverage elsewhere.

Question: Will my coverage remain in force if I am temporarily practicing in a new state in which I am authorized or licensed to practice in response to the COVID-19 pandemic?

Answer: If you need to practice in a new state, please talk to your underwriter or agent right away.