Jimu News reporter Yang Jinying
"Buy peace of mind at 9.9 yuan." "Three sets of masks when you go out: masks with green code isolation insurance." Recently, the epidemic has spread across the country, and many citizens need to be isolated at home or centralized isolation due to the requirements of epidemic prevention and control. With the increase of isolation risk, "New Crown Isolation Insurance" (hereinafter referred to as "Isolation Insurance") has also entered the list of Internet celebrity insurance.
New crown isolation insurance refers to a new type of insurance launched by some insurance companies. If the insured is quarantined or quarantined at home due to the new crown pneumonia epidemic during the insurance period, he or she can enjoy subsidies.
9.9 yuan a piece of isolation insurance can really buy peace of mind? Jimu journalists found in the interview that it is easy to buy insurance, but there are various restrictions on actually getting compensation.
Hu Hongbing, deputy dean of the School of Finance of Zhongnan University of Economics and Law, reminded that consumers should read the insurance terms when purchasing insurance online and make selective purchases.
Part of the isolation insurance investment is kept under restrictions
reporters found that there are not many types of isolation insurance on the market. Insurance companies have launched related products.
This type of insurance often covers the death, diagnosis, isolation and accidental injury of new coronary pneumonia at the same time, and the average monthly fee ranges from 4.9 yuan to tens of yuan. Click on the page, and slogans such as "monthly payment of 9.9 yuan and guarantee up to 1 million yuan" and "centralized isolation allowance of up to 500 yuan per day" are very eye-catching.
Some isolation insurance insurance instructions excerpted from
, but I clicked on the "Insurance Instructions" of each insurance and carefully studied it, only to find that there is no such thing as "laying down and making money" in the world. Although
is marked with "New Crown Isolation Allowance", most isolation insurance only pays for compulsory centralized isolation. Only Modern Property Insurance "Love Worry" accident insurance, Zhongan "Anti-epidemic Peace Insurance", and Zhongan "Love Worry". Three products including "epidemic prevention guarantee" also provide home isolation guarantee.
At the same time, almost all isolation insurances are explained in the "Insurance Instructions", and the following situations are not responsible for compensation: those who have been diagnosed or suspected of infection before applying for insurance; those who have received a notice requiring isolation; overseas regions (including Hong Kong, Macao and Taiwan) entry requirements isolated.
Some insurances also stipulate the occupation and age of the insured. For example, modern property insurance "Love Worry Accident Insurance" does not cover housewives/husbands, retirees, etc., and the age of the insured must be 30 days to 65 years old. In addition to such hard conditions, some users of
have encountered situations where they cannot purchase isolation insurance due to their geographical location. Ms. He, who lives in Shanghai, placed an insurance order on January 14, but then asked the customer service and was told that she needed to surrender the insurance - the reason is that there are already medium and high-risk areas in Shanghai, even if Ms. He is in a low-risk area, she cannot Insured.
Ms. He was very puzzled: It is indeed stipulated in the contract that you cannot pay for insurance in a medium-high-risk area before applying for insurance, but Shanghai is so big, and she is in a low-risk area, and she has never been to a medium-high-risk area, why can't she apply for insurance? After repeated consultations, the other party's claims adjuster replied that they can apply for insurance, and if it belongs to the insurance liability, the claim will be settled.
senior insurance broker Sun Yajie told reporters that this may be due to the risk control adopted by insurance companies. For example, if an epidemic occurs in a certain province, the risk control may be carried out according to the first 6 digits of the applicant's ID card. The risk-controlled user cannot apply for insurance, and it is necessary to wait until the area is low-risk before trying to apply for insurance.
bought isolation insurance but may not be able to pay
even if he successfully purchased isolation insurance, he may not be able to settle the claim and miss out on the insurance money.
, a college student who returned home from Beijing on January 16, was informed by the community to go to the hotel for centralized isolation because the school’s location suddenly became a medium-risk area. Coincidentally, he had just purchased a 39-yuan quarantine insurance that morning. However, due to the 7-day waiting period after the insurance order is placed, the lesser cannot apply for compensation.
is less than the purchased isolation insurance
In fact, even if you are quarantined after the waiting period, you will not be able to claim for less than that - the isolation caused by returning home to visit relatives has been included in the non-guaranteed scope of many isolation insurances. Moreover, the insurance he purchased only guarantees the centralized isolation of close contacts or sub-close contacts. Those who have been to medium and high risk situations are not covered.
Other isolation policies have more narrow claims coverage. In November 2021, Ms. Fan traveled from Shanghai to Sanya. There was no epidemic in Shanghai before departure, but just in case, she purchased a "New Crown Isolation Allowance Insurance" of 50 yuan. The policy shows,The allowance is paid 1,000 yuan per day during the centralized isolation period, and the maximum compensation is 16 days. On the second day of
's arrival in Hainan, Ms. Fan received a centralized quarantine notice - a new local confirmed case was added in Shanghai, and all Shanghai tourists were urgently and forcibly quarantined. Ms.
Fan called the insurance company's customer service, but found that she could not get a claim, because the insurance clause stated that you must take the same operating means of transportation (train, plane, etc.) as the confirmed patient to pay.
"Before buying, I thought that as long as I met any clause in the contract, I could pay, but I didn't expect that it would take effect only after all of them were met." Ms. Fan said, "The lesson is that if you buy later, you should call ahead to ask."
insurance company uses The low premium and high rate of return have touched the hearts of consumers, but the various restrictions on compensation are hidden in the "Protection Details" and "Insurance Instructions", which cannot be found without careful reading.
There are also some insurance games with vague words-“close contact with patients suffering from notifiable infectious diseases, or exposure to the environment contaminated by the pathogens of notifiable infectious diseases”, this condition is very broad at first glance, but when you ask customer service, What they mean is "only confidential and sub-intensive".
This also leads to many consumers who do not know much about the conditions of claim settlement. Complaints related to isolation insurance appear on many platforms, most of which are cases where claims cannot be settled or surrendered after applying for insurance. Sun Yajie told reporters that the compensation rate of isolation insurance is not very high, and there are many successful cases of compensation.
expert: Please read the insurance policy carefully before purchasing. In addition to the temptation of low premiums and high potential returns,
also attracts consumers with ubiquitous promotion and marketing. Many consumers have reported that they were attracted to insured by the soft links on Moments or Xiaohongshu. Ms. He, who has already purchased isolation insurance from
, said that she has received a lot of promotion of isolation insurance in the past year, and she only had the desire to buy after the epidemic this time. "I almost went shopping in Jing'an a while ago, but I still felt scared. I was worried that I might not be so lucky next time, so I bought it." Ms. He believes that isolation insurance cannot simply be regarded as an "artifact of lying down" or "IQ tax" , just buy it according to your needs. On
, many consumers who have successfully settled their claims have shared their experiences on Xiaohongshu: some people were quarantined because they were in high-risk areas, and some people were quarantined because they took the same subway with the confirmed patients, and they all successfully settled their claims.
Successful case sharing on Xiaohongshu
Ms. Xu shared with reporters that she was quarantined in a hotel for 9 days because she had been in contact with a confirmed patient. With the quarantine notice, end of quarantine certificate, health code red code and other materials, she successfully paid 4,000 yuan.
Sun Yajie introduced that isolation insurance will also be divided into "peak season" or "off season". When the epidemic spreads seriously, the number of insured people increases significantly. In order to avoid risks, and also attracted by low premiums and commercial marketing, many consumers still choose to buy isolation insurance.
Regarding "isolation insurance" and other insurances arising from the epidemic, Professor Hu Hongbing, deputy dean of the School of Finance of Zhongnan University of Economics and Law, believes that in addition to pursuing profit goals, insurance companies also need to fulfill their social responsibilities and social obligations. Insurance companies can develop corresponding products according to the needs of consumers, which is a behavior worthy of encouragement. However, in the process of product design and development, how to formulate insurance terms more scientifically and design rates more scientifically are also issues that insurance companies should consider. Is there a problem that some of the new crown isolation insurance terms of
are too "harsh"? Hu Hongbing believes that the development of insurance products has certain rules, and the design of terms needs to comply with regulatory regulations, but in general, it is a market-oriented behavior. Insurance consumers can make selective purchases according to their own judgment. However, insurance companies also have the obligation to proactively and truthfully inform consumers as much as possible so that consumers can clearly know what the scope of liability of insurance products is, and under what conditions they can obtain compensation, so as to avoid insurance disputes.
Hu Hongbing also reminded that consumers should be cautious when buying insurance online. It is recommended to read the insurance clauses carefully to find out what the insurance covers, what insurance responsibilities the insurance company undertakes, and under what circumstances can they obtain compensation from the insurance company .
Source: Jingchu Net