Problem is if you test negative before leaving, catch it on the plane and then still have the test positive problem when you arrive? Seems insurance companies are not paying for asymptomatic cases, just the medical expenses, unless someone else can help?
Have a bankok bank and had to leave, came back after 2 years and still ok, had about 25k in the account, surely if you have funds in a bank they can't close it as the funds are still yours, unless they are informed otherwise.