@Peter ********
any insurance policy you're gonna try to use to meet the requirement must cover you for a minimum of 100,000 US dollars specifically for covid-19 treatment (as in there can't be an exclusion for it in the policy)
I think that's why they list it as two things, most people don't have that kind of specific coverage on their policies and that is why people are getting the covid specific policy for the 100K USD. ...