"epidemic protection insurance" is also known as "epidemic insurance". Its premium amount is not large, but the protection strength is not small. In the past two years, many people choose to buy it in exchange for a sense of security.
However, you can do anything when you pay for it, but the claims will be twists and turns.
According to previous media reports, in March, there were also Shanghai citizens who said on social platforms that their purchase of " new crown " insurance was rejected, on the grounds that there were no medium and high risk areas in Shanghai.
searched Xiaohongshu with the keyword "epidemic insurance", and it showed that there were 10,000+ notes.
With the increase in related claims refusal incidents, many people who have purchased "epidemic insurance" began to share the process of wrestling with insurance companies when claiming claims.
Insurance types on the market regarding the epidemic. Screenshot
[1] Ms. Cheng, who sued the insurance company
Shanghai because she could not get compensation, told Jiupai News that she was quarantined in Pudong New Area in Shanghai this year.
Previously, she had purchased the United Ai Wuyou isolation insurance under Fosun, and the insurance contract mentioned that "the insured is subject to local epidemic prevention due to being traced by the local epidemic prevention department as a close contact of a confirmed or suspected patient with new coronary pneumonia. If the department requires compulsory isolation,” the isolation allowance is 200 yuan per day.
Ms. Cheng said that although she was isolated at home for many days, the insurance company refused to pay for Ms. Cheng's non-close contact.
Contents of Ms. Cheng's policy. Photo provided by the interviewee
Ms. Cheng said that according to the definition of close contacts by the disease control department, she fully fits.
"New Coronary Virus Pneumonia Prevention and Control Plan (Eighth Edition)" mentions that close contacts are 2 days before the onset of symptoms of suspected cases and confirmed cases, or 2 days before asymptomatic infections and samples, which are different from those of
. Persons who had close contact but did not take effective protection; persons who had close contact in the same place such as an office; persons who were exposed to the environment and objects contaminated by cases or asymptomatic infected persons; on-site investigators assessed that they were in line with other close contacts People who determine the standard.
Then, the insurance company gave a template and asked Ms. Cheng to find the neighborhood committee and CDC to issue a certificate according to the template.
She called the neighborhood committee and the CDC and was told that the certificate could not be issued. "They have no reason to issue this kind of certificate at all. They just ask a few neighborhood committees or call 12345, but they won't issue it." Ms. Cheng felt angry.
She believes that the insurance company did not explain important words such as "close connection" and "medium-high risk" in the contract, and it was different from the previous publicity materials. An indictment has been filed with the court.
Contents of Ms. Cheng's policy. Photo provided by the respondent
[2] Some people have successfully settled their claims by virtue of isolation proof
and others have successfully settled their claims.
Mr. Meng from Chengdu, Sichuan told Jiupai News that he went to Shanghai to look for a job at the end of March, and the apartment he lived in temporarily was closed.
"I saw someone infected with the new crown on the Internet, and the insurance paid more than 10,000 yuan. I was very moved and bought an insurance. At that time, many people bought it." Mr. Meng said.
He purchased the product "Zhongan Epidemic Care" launched by Zhongan Insurance , with a premium of 49 yuan and a guarantee period of 90 days. The protection content includes "special infectious disease isolation allowance", with a maximum claim of 2,800 yuan.
Mr. Meng's insurance content. Photo courtesy of the interviewee
In mid-June this year, he chose to leave Shanghai, which had been designated as some medium and high-risk areas at that time. Since his hometown in Chengdu did not accept him, Mr. Meng came to Wuhan for a seven-day centralized quarantine. After the
quarantine period expired, Mr. Meng received a compensation of 1,400 yuan based on the quarantine certificate and other personal identification information.
Mr. Meng said that the insurance company said that the "special infectious disease isolation allowance" is only for the case of being isolated after close contact, and the claim will be settled according to the standard of 200 yuan per day. Although Mr. Meng himself was isolated due to the epidemic, he did not belong to a close contact group.
"Filled in a bunch of materials, including where to isolate, ID card, isolation certificate... I was in the mentality of giving it a try, but it paid off." After a set of procedures, Mr. Meng felt that the insurance company paid the claim. The main basis is still the isolation certificate. "The isolation certificate does not say whether I am a close contact. So it will lose money."
Ms. Yu from Inner Mongolia also helped her mother get married.Compensation. She told Jiupai News that her mother lives in the port city of Manzhouli, and there are often epidemics. Therefore, she bought a isolation insurance for her mother, the cost is 68 yuan, and the guarantee period is one year.
received compensation twice in March and April this year.
"The two quarantines are at their own expense. The first time was three days, the second time was five days, and the compensation was 900 yuan and 1,500 yuan respectively." Ms.
said that the claim settlement time is relatively long, and the isolation can be done from the beginning. File an application with the insurance company, and then apply for compensation with proof of release from medical isolation. "This certificate is very important. The first time I was quarantined, I paid for it in two or three days, and the second time didn't take more than a week." Searching with the keyword "new crown epidemic insurance" above, you can see that many insurance institutions have launched such products. The minimum insurance premium is between 1 yuan and 100 yuan, and the maximum insured amount is more than 200,000 yuan to 500,000 yuan. The coverage covers vaccines, new crown isolation, travel, etc.
takes Huatai new crown isolation insurance as an example, the coverage of plan 1 includes new coronavirus pneumonia death/disability, new coronavirus pneumonia diagnosis allowance, new coronavirus pneumonia isolation allowance (due to suspected or confirmed infection) etc. The sum assured is RMB 200,000, RMB 3,000, and RMB 200 per day, respectively. This insurance guarantees a 30-day premium of 8.8 yuan, and a 90-day premium of 19.8 yuan.
At present, the most common in the market is the new crown protection insurance. They usually expand new crown protection on the basis of accident insurance coverage, mainly covering new crown virus diagnosis, critical illness, death or disability, isolation allowance, etc. In the event of an accident agreed upon in the contract, the insured can receive insurance benefits.
In February this year, the Property and Casualty Insurance Division of the China Banking and Insurance Regulatory Commission issued a notice requiring insurance companies to conduct self-inspection and rectification of isolation insurance-related businesses. The
"Notice" requires the insurance company to fully perform the obligation of explanation in the process of product sales, fully explain the insurance liability, the liability exemption and the claims settlement conditions, etc., and make sufficient provisions for the exemption of the insurer's liability in accordance with laws and regulations. Tips and instructions to bring the policyholder's attention. At the same time, insurance companies should strictly manage claims settlement, attach great importance to customer service, and do a good job in explaining relevant business and follow-up insurance claims settlement services. In the event of an insured accident, they should take the initiative to provide claims settlement services, and must not refuse claims unreasonably and affect consumers’ health. Normal claims appeals to prevent the occurrence of problems that infringe on the rights and interests of consumers.
Jiupai news search found that after the notification, many insurance companies urgently removed related products. The "Zhongan Epidemic Carefree" that Mr. Meng had previously purchased on the Alipay platform could no longer be found.
In this regard, an insurance broker said that the "epidemic insurance" on the market is similar, and before purchasing, you must look at the conditions for clearing and claiming compensation. When you need to make a claim, you should also pay attention to submitting relevant documents to prove it. "There are many people who apply for claims, and the workload of verifying compensation personnel is also relatively large. It is very important to have a quarantine certificate that can help them quickly determine whether they are claimable."
Jiupai News reporter Wu Feifei Disclaimer: The copyright of this article belongs to the original author. If the source is wrong or your legal rights are violated, you can contact us by email, and we will deal with it in time. Email address: jpbl@jp.jiupainews.com
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