Did you know that COVID-19 was already declare by WHO as Pandemic. Currently DOH has not yet declared it as Pandemic.

If DOH happened to declare COVID-19 as Pandemic, healthcard will not cover it anymore.

Source: https://economictimes.indiatimes.com/wealth/insure/health-insurance/your-health-insurance-policy-might-not-cover-coronavirus-in-these-situations/articleshow/74570246.cms