Coronavirus and PG Mutual

If you are not yet a member of PG Mutual

We regret that as COVID-19 has been declared a pandemic by the World Health Organisation, all new applications received by PG Mutual from 3pm on 18th March 2020 that have requested a 1 month deferral or less (Nil, 7 Day, 14 Day) will now have a Coronavirus exclusion added to any offer of membership made by PG Mutual.

If you have already applied, or if you have applied for a deferment period of greater than 1 month, this notice will not apply to you.

If you are already a member of PG Mutual

Our Income Protection Plus policy does not automatically exclude viruses such as COVID-19, but your eligibility to claim should you become infected is subject to your normal policy terms for claiming:

  1. You must meet the definition of incapacity that applies to your policy.
  2. Your deferment period must elapse before you become eligible to claim.
  3. You will need to provide supporting evidence of your incapacity.

If you are isolating yourself, even at the direction of your employer or the appropriate authorities, you will not be considered incapacitated.

Please note that we are currently unable to approve cover variation requests from members to reduce the deferment period on their policy to 1 month or less without a Coronavirus exclusion being applied.