"The minimum isolation insurance of 9 yuan and 9 yuan, lying down and earning hundreds of yuan a day!"
Recently, "isolation insurance" has become popular on major social platforms. But is this wool really so easy to collect?
With the repeated epidemic of covid-19 pneumonia, consumers pay more and more attention to "isolation insurance". The premium for such products is tens of yuan, but they can enjoy isolation allowance of hundreds or even thousands of yuan.
However, as more and more consumers have experienced the "isolation insurance" claim settlement, they shout that they have paid the "IQ tax".
What kind of product is "isolation insurance"? How difficult is it to settle the claim? Do you pay "IQ tax" to buy it? The reporter of Shanghai Securities News cleared up doubts for everyone through interview and verification.
"isolation insurance" is popular online
Recently, the epidemic situation has been repeated in many places across the country. Near the Spring Festival, Lbx Pharmacy Chain Joint Stock Company(603883) has a sharp rise in travel demand. Between pressure and demand, the "isolation insurance" launched by insurance companies for the epidemic has become popular on social platforms.
the reporter found on a social platform that there were thousands of discussion information about "isolation insurance", and many netizens showed compensation and collection records.
So what kind of insurance is "isolation insurance"?
The reporter learned that the "isolation insurance" launched by the insurance company is actually an additional isolation liability of accident insurance. Take the "covid-19 isolation allowance insurance" launched by Zhong'an insurance as an example. The insurance clause of the product is the personal accidental injury insurance clause (Internet). While assuming accident liability, it expands the coverage of insurance accidents caused by covid-19 virus, including covid-19 isolation allowance.
At present, several platforms are selling "isolation insurance". The reporter found that the products on the market mainly include "covid-19 isolation allowance insurance" jointly launched by ant insurance and Zhong'an insurance, "covid-19 pneumonia · isolation allowance version" jointly launched by ant insurance and Taiping property insurance, and "Ping An peace of mind anti epidemic insurance" launched by ant insurance and Ping An insurance.
In terms of price, the price of most "isolation insurance" is no more than 100 yuan.
The reporter learned that due to simple insurance, flexible guarantee period and close premium to the people, isolation insurance has been selling well on major travel platforms and third-party websites in the past two years. Taking huise.com, a third-party platform, as an example, the average number of monthly insurances of relevant products has exceeded 60000 since the fourth quarter of last year.
bad wool
compensation terms should be carefully reviewed
Is the wool of "isolation insurance" really so good?
"You must polish your eyes when you buy." A netizen sent a message to make complaints about the insurance on the social platform. Before he left, he bought the insurance of "zhong an" insurance. After he went to the hotel to be isolated, he contacted Zhong An insurance compensation. was told that the terms required must be closely linked with the diagnosis, otherwise he would not pay.
"I see it shows that there is a compulsory isolation allowance. I think as long as isolation can be compensated." Mr. Xia in Shanghai told reporters that the compensation information in the "isolation insurance" purchase interface is not detailed, which is easy to mislead consumers.
According to the feedback from netizens, the reporter combed the common refusal of "isolation insurance" products of various insurance companies, mainly including the following five:
\u3000\u30001。 Secondary close contact personnel (if they do not take the same vehicle as the confirmed case) are isolated;
\u3000\u30002。 Non self expense isolation;
\u3000\u30003。 Home isolation and health monitoring;
\u3000\u30004。 Global control;
\u3000\u30005。 According to the requirements of the local government, the return of personnel in non medium and high-risk areas / the concentration of family visitors / home isolation, etc.
"It's easy to buy but difficult to compensate". Many netizens call it "IQ tax" to buy isolation insurance.
Senior actuary Xu Yuchen told reporters that for risk control considerations, insurance companies did make some clear requirements on compensation conditions, which really brought a bad experience to consumers.
Of course, consumers can still get compensation as long as they meet the agreed compensation conditions for the purchased products. Xu Yuchen introduced that from the compensation terms of each company's products, compensation conditions are mainly close contact or isolated in medium and high-risk areas, whichever is the other.
Zhongan insurance's "covid-19 isolation allowance insurance" makes it clear that can get isolation allowance if they are centrally isolated (excluding home isolation).
Taiping property insurance "covid-19 pneumonia · isolation allowance version" requires that the insured can obtain isolation allowance if he is subject to centralized isolation according to law (excluding home isolation) due to close contact with patients suffering from legal infectious diseases or exposure to the environment polluted by pathogens of legal infectious diseases (no matter one or more).
So, what kind of people are suitable for this kind of products?
Xu Yuchen said that there are mainly two types of people. One is high-risk groups, such as doctors, cold chain workers, international flight service personnel, etc; The other is the population with confirmed cases near the city or street. For example, recently, No. 228, Yuyuan Road, Jing'an Temple Street, Jing'an District, Shanghai is a medium risk area. People working in nearby office buildings have a relatively high risk.
Insiders said that when consumers buy "isolation insurance", they must choose according to their own needs, and carefully check the compensation terms of the insurance company. For insurance companies, the information on the publicity interface should be as detailed and accurate as possible, so that consumers can fully understand the scope of protection.
online red products are also "double-edged sword"
It's hot on one side and off the shelf on the other.
Surprisingly, the isolation insurance of fire out of the circle is being taken off the shelf by some insurance companies. The reporter learned from the industry that some companies have taken off the shelves of the "isolation insurance" products launched earlier.
Xu Yuchen told reporters that for such products, insurance companies often make adjustments and tests while developing products. Generally, after a period of product sales, the actuarial department and the product development department will regularly backtrack the data and decide whether to increase the price or stop sales according to the data. The earliest isolation insurance was launched by Fosun United Health, with a premium of 43 yuan; Last October, the price of this product increased to 59 yuan; Last December, the company stopped selling the product.
In terms of pricing, at present, isolation insurance products are generally only one or two hundred yuan, and many products are only dozens of pieces. Xu Yuchen believes that in terms of this pricing, isolation insurance is a profitable business if it can be purchased by the whole people. However, due to the existence of adverse selection risk, people in low-risk areas are not enthusiastic about insurance.
Xu Yuchen said that as a customer product, "isolation insurance" is intended to shorten the distance between insurance companies and customers. Some insurance companies fail to be professional and refined in product design and operation. If they do not make clear and clear provisions on common isolation problems, it is easy to cause insurance claim disputes and damage the company's brand and even the industry image, which is not worth the loss.
For the difficult claim settlement problems that netizens have reported more, Xu Yuchen believes that insurance companies should first clarify the insurance terms, and clarify the insurable and non insurable situations; Secondly, common problems should be listed one by one on the sales page, such as whether claims are settled as a secondary close connection. In practice, the high-risk classification standards in each city are different, and the claim conditions can be clearly informed to consumers according to the situation of specific cities; In addition, in the claim settlement process, we should also list the required documentary evidence by way of examples according to the different requirements of different cities, so as to make the products more professional and refined.
Wang Xiangnan, deputy director of the insurance and economic development research center of the Chinese Academy of Social Sciences, said that the protection responsibilities and exclusions of products of different companies vary greatly. Insurance companies generally do not publicize or talk less about exclusions in marketing, This violates the normative requirements of insurance business publicity materials in the regulations on the administration of insurance companies, the measures for the supervision of Internet insurance business, the urgent notice of CIRC on regulating the development and sales of insurance products of property insurance companies and other regulations, and insurance companies should pay attention to it.
