营业中断险的承保范围,明确了对检疫法(Quarantine Act 1908)或/和生物安全法(Biosecurity Act 2015)中所列明的,如高致病性禽流感等传染疾病的免责条款。而此次新冠病毒,已于2020年1月21日被澳洲政府列为了生物安全法(Biosecurity Act 2015)的适用对象。



8月21日,新南威尔士最高等法院正式受理了,由澳洲保险理事会(Insurance Council of Australia)和澳洲金融投诉局(Australian FinancialComplaints Authority)联合递交的测试案例(Test Case)。9月4日,此测试案例正式进入上诉法院,而听证会也将在10月2日开始。

澳洲保险理事会的CEO,Andrew Hall表示:



检疫法(Quarantine Act 1908)在2015年被生物安全法(Biosecurity Act 2015)所取代,并于2016年6月被废除。然而一些保险公司的保单条款中,仍然使用防疫法(Quarantine Act 1908)作为其依据。

此次测试案例,将就这一争议进行审理。并且下一步,法院还会讨论对是否根据生物安全法(Biosecurity Act 2015)确定的被列为人类疾病的“免责”是否有效。

于此同时,联邦法院在9月8日也举行首次案件管理听证会,以听取由星娱乐集团(Star Entertainment Group)针对安达保险(Chubb Insurance)和其共保保险公司发起的商业中断(Business Interruption)的诉讼。






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