"isolation can earn money", "only 9.9 yuan", "covid-19 isolation pays 200 yuan a day"...
The rebound of epidemic situation around the country increases the risk of travel isolation. Due to the low price and "lying earn" attribute, isolation insurance has been popular on major social platforms recently, and has been planted by some bloggers and online celebrities.
The so-called isolation insurance refers to a new characteristic insurance product in which the applicant can enjoy subsidies during the isolation period if he is isolated due to the covid-19 epidemic during the guarantee period.
At present, the common isolation insurance in the market is often accident insurance within one year. At present, many insurance companies, including Fosun United health insurance, Huatai Property Insurance, modern property insurance, Zhong'an insurance, Zhonghui property mutual insurance, Taiping property insurance and other insurance companies, have launched relevant products.
The reporter of Beijing Business Daily found that the average monthly premium of these products is 6 yuan - more than 10 yuan, not , and the isolation allowance ranges from 150 yuan / day to 1000 yuan / day . The premium is less than the price of a cup of milk tea. Isolation at home can earn 100 yuan a day, which is exciting.
But in fact, not all products are "isolated and lose money" . The reporter of Beijing business daily carefully read the terms of each product and found that each product has set a certain threshold in the settlement of claims, needs to meet certain conditions to obtain compensation . Claims disputes over isolation insurance also occur frequently. There are many cases of rejection of isolation insurance on the complaint platform and social media platform.
For example, a user posted on a social platform and said that he had insured the "aiwuyou accident insurance" of Fosun United health insurance on October 26, 2021. He left for Chongqing on October 27. After returning on November 2, he was asked by the community to be isolated from the hotel. After the isolation, he reported the settlement of claims, but received a notice of rejection, was informed that it refused to settle the claim because it took the initiative to go to medium and high-risk areas.
Chongqing added three medium risk areas on November 3, 2021. Before November 3, Chongqing was a low risk area. In order to understand the relevant situation, the reporter of Beijing Business Daily called the customer service number of Fosun United health insurance for verification, but was told that the product had been taken off the shelf.
There are also insured people who have insured the insurance company's isolation risk. "Isolation insurance is the IQ tax, and the insurance is segregated. must be a high risk in the whole district or the whole city, or it can make complaints about if it becomes a secret connection. Under the current epidemic prevention policy, there are very few cities or regions that become high-risk."
In order to clarify the insurance liability and exclusions of isolation insurance products on the market, the reporter of Beijing Business Daily called the customer service telephone of the underwriting company one by one for detailed consultation. It is found that the products on the market can be divided into two categories:
One is products that are isolated only due to close contact with vehicles, such as "national epidemic insurance communication accident insurance (Internet exclusive)" of Zhonghui property mutual insurance and "Huatai anti epidemic insurance" launched by Huatai Property Insurance. The claim settlement condition of these two products is that when the insured must take the means of transportation (such as train, ship, aircraft, bus, etc.), if the fellow passengers have covid-19 nucleic acid test positive, and the applicant is required to be centrally isolated by relevant departments, he can obtain certain compensation.
The other is that does not restrict whether to take transportation . As long as the insured has close contact with the confirmed cases, they are required to isolate the compensable products. At present, the products on the market include "modern property insurance love worry free accident insurance" launched by modern property insurance, and "Zhong'an love worry free accident insurance" launched by Zhong'an insurance "Epidemic prevention green code communication accident insurance" of Zhonghui property mutual insurance company, "taipingchang worry free" of Taiping property insurance company and "covid-19 isolation allowance insurance" of Zhongan insurance company.
Through the introduction of customer service personnel, the reporter of Beijing Business Daily found that the compensation responsibility of these products is mainly: those who are in close contact with the confirmed cases of covid-19 pneumonia and are required to be forcibly isolated by the government or epidemic prevention department can be compensated with isolation allowance ranging from 150 yuan to 1000 yuan. Moreover, the compensation liability of all products does not include "secondary close connection".
In the case of home isolation, only the "Zhong'an love worry free accident insurance" launched by Zhong'an insurance can be compensated for the isolation allowance when the insured is in a medium and high-risk area, is required to be isolated at home and has supporting materials issued by the government or epidemic prevention department. Other products do not include home isolation into the scope of protection.
So, what should consumers pay attention to when buying isolation insurance products? Xu Yuchen said, first, pay attention to the conditions for triggering claims and the elements of purchase . For example, the location of the applicant cannot be a medium and high-risk area, nor can the applicant take the initiative to go to the announced medium and high-risk area. the second is to prepare the documents required for the claim settlement process. The reporter of Beijing business daily learned that the application materials for settlement of isolation insurance claims include the supporting documents of the number of days and location of compulsory isolation issued by relevant local departments
