What life insurance companies are testing for

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Anyone who has had direct contact with a confirmed COVID-19 case - and thus belongs to category I contact person - should isolate themselves, avoid contact and contact their local health department. As a rule, the health department then orders a quarantine.

Category I contact persons include those who have been closer than 1.5 meters to the infected person without mouth and nose protection, for example during a 15-minute conversation or a kiss. Or, regardless of the distance, you were in the same room as the infected person for a long time (more than 30 minutes).

Category II contact persons are those who have only had brief contact with an infected person or who have been adequately protected, for example with mouth and nose protection. Infection cannot be ruled out with these contact persons either, but the risk is significantly lower than with category I contact persons. As a rule, these contact persons do not have to be in quarantine, but should nevertheless significantly reduce their contacts as a precaution.

The decision, for example, whether a quarantine is necessary and how long it lasts, rests with the responsible health department. They make their decisions on the basis of the quarantine regulations issued by the federal states.

Confirmed COVID-19 case means that an infection with SarsCoV-2 was determined with the help of a laboratory diagnostic examination, i.e. the pathogen could be detected directly. The most reliable way to do this is with a PCR test. If it has to be done quickly, an antigen test can also provide valuable information about infection.