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Information on Coronavirus COVID-19
The New Hampshire Insurance Department is actively preparing and working with other state agencies and the insurance industry to take appropriate precautionary steps related to the coronavirus pandemic.
 

We recommend that the insurance industry focus their efforts on preparedness and keeping consumers informed. We encourage insurers to provide resources to inform consumers of available benefits, quickly respond to consumer inquiries, and consider revisions needed to streamline responses and benefits for consumers.

Businesses and individuals should read and understand how their existing insurance coverages may respond to a pandemic, and make any changes to their business practices or policies they can to manage their financial risks. Some insurance policies to review include:

  • Health Insurance
  • Worker's Compensation
  • Business Interruption
  • General Liability
  • Director & Officer (D&O) Insurance
  • Event Cancelation
  • Travel Insurance

If you have questions about your copay, prescriptions or care options, check out our COVID-19 FAQs.

Health Insurance

Commercial Insurance

Due to the ongoing COVID-19 outbreak, the New Hampshire Insurance Department has issued a frequently asked questions resource for consumers, recognizing the critical role that health insurance coverage plays in the public's ability to access health care services in mitigating the spread of the virus.

Medicare

Medicare Part B (Medical Insurance) covers a test to see if you have COVID-19. This test is covered when your doctor or other health care provider orders it, if you got the test on or after February 4, 2020.

Business Insurance

Business Interruption Insurance

There are both commercial multi-peril property policies and business owners policies that provide coverage for business interruption. There are also endorsements that extend the coverage provided by such policies and stand-alone policies that provide business interruption insurance coverage.

Travel

For Travelers

Travel Insurance: If you’re planning to travel in the future, we encourage you to read this guidance to determine whether you need travel insurance or not.

International Travel: The CDC has issued Travel Warnings recommending the postponement or avoidance to countries where COVID-19 is being actively transmitted.

Prevention and Preparedness

For Individuals and Communities

Global efforts at this time are focused concurrently on containing the spread and mitigating the impact of this virus. To help prevent getting and spreading disease, the U.S. Centers for Disease Control and Prevention (CDC) offers preparation advice for:

For Business and Insurance

Closely monitor guidance from CDC and the New Hampshire Department of Health and Human Services. Review and adjust your policies and procedures as needed to ensure consistency with their guidance. Provide clear and detailed communications on when and where to seek medical care and the availability of options such as telehealth medical advice and nurse lines that can provide quick access to a medical professional who can alleviate the need for a hospital visit. Review your Business Interruption Insurance policies to evaluate your options and properly document and claim any covered disruptions.

Insurance Department Press Releases:

March, 26 2020: Insurance Department Guidance Following Governor Sununu's Stay-at-Home Order

To monitor the latest information on COVID-19:

 
 

New Hampshire Insurance Department | 21 South Fruit Street, Suite 14 | Concord, NH 03301
Phone 603.271.2261 | Fax 603.271.1406 | Consumer Hotline 1.800.852.3416

Copyright © State of New Hampshire, 2007