Recently, the new crown epidemic has appeared again in many places.
Kachamei, how does it feel to work in the new favorite "Shenzhen" of the universe nucleic acid detection ?
*Shenzhen Health and Health Commission
Every day, colleagues are quarantined at home, dragging suitcases on the way to work, carrying computer hosts everywhere, and it is difficult to return home without 24 hours of nucleic acid... Everyone's enthusiasm for epidemic insurance has reached its peak, an insurance that can also be paid for at home. Click to view "Returning to your hometown during the Spring Festival, afraid of epidemic isolation? Come and get an epidemic insurance of 200 per day in isolation at home! 》
because it has a particularly practical new coronary pneumonia isolation allowance: 200 yuan / day, up to 30 days.
But to be honest, many cities are quarantined one after another, and many quarantine allowances are urgently removed from the shelves.
Ps. Although the product has been removed from the shelves, it cannot be insured. However, previously insured policies will not be affected, and you can still apply for claims as normal.
Is it "difficult to settle claims" for epidemic insurance? While the sales of
epidemic insurance isolation allowance are very popular, it is also found that many policyholders have the problem of "difficulty in claim settlement". The
platform has also undertaken many cases of epidemic insurance claims. Judging from the case handling and the observed market conditions, the main reasons for customers’ problems in claim settlement are basically:
1. The insured does not understand the isolation insurance claim details and exemption clause ;
2. Insufficient data preparation and insufficient evidence in case of claim settlement.
Materials required for claim settlement
The materials required for claim settlement include:
1, insurance payment application form;
2, proof of insurance contract; Documents of compulsory quarantine orders authorized by the local government or the epidemic prevention department;
5, documents proving the number of days and locations of medical isolation issued by the local epidemic prevention department or medical institutions recognized by the insurer;
6, other related to confirming the nature, cause, and degree of loss of the insured accident evidence and information.
比如这样的
理赔条件
首先，咔嚓妹放上条款~以“爱无忧”为例：
01：什么情况可以赔？
After the waiting period of 2 days, the insured is notified by the local government or the epidemic prevention department to implement centralized isolation or home isolation during the insurance period (1 year) and within 21 days after the end of the insurance period, and meets the requirements Claims can be made in one of the following two cases:
① The insured is a confirmed diagnosis or close contact
(sub-close contact does not pay!!)
This isClaims are the most straightforward and easiest. Provide the quarantine certificate, and the quarantine notice needs to have the following clear information: the reason for the quarantine, the time of the quarantine, and the location of the quarantine, and then you can apply for a claim. If
is diagnosed, not only can they get the quarantine allowance, but also the diagnosis allowance.
② The insured is in a medium and high risk area (including residence, work place, place of travel, destination, etc., specific products need to be compared with specific terms)
"State Council Client" WeChat applet or APP to check whether it is a medium and high risk area.
provide quarantine certificate, official statement, and standard quarantine notice to apply for a claim.
There will be a controversial point here, that is, the communities around these medium and high-risk areas may also be classified as closed control areas or prevention areas. If they are not identified as tight connections, the isolation insurance will not pay.
02: What is not compensated for?
① The insured is a secondary contact
The next door Xiao Wang was diagnosed, and his colleague Xiao Li was officially listed as a close contact and required to be isolated. In this case, Xiao Li, as a close contact, can pay.
If Xiao Li's wife Xiao Zhang is also required to be quarantined, and Xiao Li has never been diagnosed as positive for the new crown, then Xiao Zhang is Xiao Wang's second-closest connection and will not be compensated.
② The insured is a general contact
Xiao Wang was diagnosed, and the entire community was required to be isolated at home, and it has never become a medium-high risk area. In this case, Xiao Wang's close contact and Xiao Wang can pay, and the rest will not.
③ Entire community closed management .
④ During the waiting period, there is a 2-day waiting period for products
. Buy insurance on 3.1, if you are quarantined before 3.4, it will not be paid.
⑤ Actively going to/passing through medium and high-risk areas
This is an obvious adverse selection and will not be compensated.
⑥ Quarantine caused by returning from high-risk areas
Insurance guarantees uncertain risks, and the insurance company will not pay if it is clear that isolation is required when returning.
Eg: For those returning from abroad, 100% of them need to be quarantined, and the insurance company will not pay for it. Now many areas will require compulsory quarantine for people returning from medium and high-risk areas, and in this case, no compensation will be paid.
⑦ The quarantine certificate cannot be provided.
requires government agencies (governments at all levels, health and health commissions, community neighborhood offices, and neighborhood committees) to issue a quarantine notice. Disapproval issued by unofficial institutions such as community and property management.
Other frequently asked questions The community is closed and forced to be quarantined. Can the health code be a green code?
health code yellow code, green code is not a necessary condition for claims! Those who meet one of the following two items can apply for a claim:
(1) 2 days after the insurance contract takes effect, the local government or the epidemic prevention department has notified the local government or the epidemic prevention department that centralized isolation or home isolation is required;
(2) The insurance contract takes effect Two days later, the insured was notified by the local government or the epidemic prevention department to implement centralized isolation or home isolation due to close contact with patients suffering from novel coronavirus pneumonia.
Q2:
I have been quarantined at home, how do I apply for a claim from ZhongAn Aiwuyou Accident Insurance?
Customers report the case through the insurance company: 1010-9955 (when applying for isolation allowance/critical illness/death claim)
Step 1: Report the case - in the Android app market or Apple APP Store, search and download ZhongAn Insurance APP (claim types can be Select outpatient claims);
Step 2: material submission - use the online claim application service, and submit claim application materials according to the guidelines;
Step 3: review materials - the insurance company will review, investigate, feedback the results in a timely manner, and notify according to the situation Send the paper materials;
Step 4: Obtaining the Claims - For insurance liability, the insurance company will transfer the claims directly to the designated account under the name of the insured/beneficiary. What's on the
Q3:
quarantine certificate?
The quarantine certificate must have clear information: name of the insured + ID number + quarantine time + reason for quarantine + stamp.
Stamp Stamp Stamp , important things are said three times!
In addition, it must be clearly written about isolation. If it is written about home health testing and health management, there will be no compensation.
Q4: How to determine the isolation time of
?
now has many communities, and the writing is very standard, for example, 2+7, 7+7, 14 days:
- if you write 2-day quarantine, 7-day home health inspection or management, you will pay for 2 days;
- if you write 7-day quarantine , 7-day home health test, 7-day compensation;
- if you write 14-day quarantine, then 14-day compensation.
Many people say that I was locked up for 14 days, how can I only pay for 7 days? The problem lies in these places. , Do not go to crowded places.
The pandemic is a crisis that makes us realize the importance of security.
But in addition to short-term insurance such as epidemic insurance, it is more urgent for everyone to think about the risks of disease, accident, and death that are almost unbearable once they occur, and do your own basic protection.
Remarks: The source of the article is the public account Kachabao (fully authorized)
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