We will accept proof of a positive antigen or molecular (e.g., PCR) COVID-19 test or a physician’s diagnosis as proof that you are ill with COVID-19. Please note, this answer is specific to products that include the Epidemic Coverage Endorsement and applicable benefit(s) and covered reason(s) described. To see if your plan includes this endorsement, please look for “Epidemic Coverage Endorsement” on your Declarations of Coverage or Letter of Confirmation.