Whether you can claim while on furlough is down to the discretion of the insurer.
Different insurers are taking different approaches, so it’s important to seek the advice of your specific insurer if you're looking to make a claim while on furlough.
It’s likely that many won’t accept claims from those on furlough as furloughed workers are not carrying out their daily duties and, therefore, won’t be prevented from working if they were to become ill or injured.