They don't allow at home tests. That's my point. If I had wanted my claim to go through, I would have needed to tell my host, who at the time was infectious, to go have a doctor confirm it.
So the price to defend against fraud--which, related to my point #1, is prevalent enough such that Generali has this policy--is to ask infected people to spread their sickness in doctors offices just so they can use doctors as tools to verify claims are legitimate.
So yes, I should have read the policy, but I would not have asked my host to go into the doctor's office and spread COVID around just so I could get my legitimate claim processed. I just wouldn't have bought the policy in the first place.
The host can book a virtual appointment and get a doctors certificate online. It is easy and done in a few minutes. The insurer should have told you that.
So the price to defend against fraud--which, related to my point #1, is prevalent enough such that Generali has this policy--is to ask infected people to spread their sickness in doctors offices just so they can use doctors as tools to verify claims are legitimate.
So yes, I should have read the policy, but I would not have asked my host to go into the doctor's office and spread COVID around just so I could get my legitimate claim processed. I just wouldn't have bought the policy in the first place.