Securities Times reporter Ding Ke

  Recently, "New Crown Isolation Insurance Products Off the Shelf" has been on the hot search, causing many consumers to complain.

The reason is that, on the one hand, consumers want to buy the isolation insurance previously promoted by insurance companies, and find that it is not so easy to find the product; Insurance terms are more stringent.

  The Securities Times reporter learned in the interview that some insurance companies have indeed removed isolation insurance products, but some companies have "upgraded" their products, and isolation insurance products are still being sold.

  Isolation insurance is a relatively hot product in recent times.

This product provides relevant protection for those who are quarantined. If they are forced to quarantine, they will have corresponding allowances, mostly 200 yuan per day; if they are diagnosed with new crown infection, some can get corresponding insurance compensation.

However, insurance companies have certain constraints on the claims settlement conditions of the product, which are not completely consistent with consumers' understanding or expectations. For example, the definition of isolation, the identification of insurance companies and consumers' cognition are different. This difference makes consumption It is difficult for the claimant to settle the claim.

  Isolation insurance is unavailable

  On March 29, when a Securities Times reporter searched for the product on the APP of a bank that previously sold COVID-19 isolation insurance, the search results indicated that the product could not be found, and the product had been removed from the bank's APP.

  This unsearchable product has been bought by consumers before.

A Shanghai citizen showed to a Securities Times reporter the isolation insurance product policy she had previously purchased, which was purchased from the above-mentioned bank APP, called "High Isolation Allowance Travel Insurance".

Relevant insurance records show that the premium of the product is 16.79 yuan, and the guarantee period is 30 days. The Shanghai citizen purchased it in mid-March, and the guarantee period ends in mid-April.

  From the perspective of protection responsibility, the main protection content of this isolation insurance product is divided into two categories: one is traffic accidents, including accidents caused by air, trains, ships, long-distance buses and other means of transportation, and the insurance amount is 50,000 yuan; The other type is reflected in the new crown protection, which has three responsibilities, namely, 5,000 yuan for specific infectious disease insurance, 10,000 yuan for specific infectious disease critical illness insurance, and 7,000 yuan for additional specific infectious disease isolation allowance insurance.

  It is still for sale after the isolation insurance has been upgraded

  However, not all isolation insurance products have been removed from the shelves. Some insurance companies have upgraded their previous isolation insurance products according to the latest situation, and related isolation insurance products are still on sale.

  For example, Zhonghui National Epidemic Baotong (Classic Edition) (Internet Edition) of Zhonghui Property Mutual Insurance Co., Ltd. is such a case.

The sales page shows that the product price starts from 58 yuan, and the insurance period is 3 months.

In terms of product protection, a one-time payment of 200,000 yuan for death caused by new coronary pneumonia, a subsidy for collective isolation of new coronary pneumonia, 200 yuan per day; there is also a high amount of sea, land and air transportation accident insurance, which is "traffic accident insurance + new coronary pneumonia death + segregation allowance".

  It is reported that the above-mentioned products are upgraded products, which are newly launched this week.

Although this product is an upgraded version, it has sold well since its launch.

Compared with the previous version, the upgrade of this product is as follows: First, health services have been added. For example, after consumers purchase this insurance, they can enjoy a 40% discount on the purchase of a new crown home testing service kit on their designated service provider platform. Each insurance Support up to 5 purchase discounts of "New Crown Home Testing Service (Single Load)", and the service validity period is the same as the insurance period; the second is to adjust the waiting period to extend the waiting period for the death of the new crown and compulsory isolation allowance responsibility to 5 days. Previously Set to 2 days.

  From the perspective of the main content of the product upgrade, the insurance company as the insurer follows up the changes in the epidemic prevention and control situation in a timely manner, and cooperates with service providers to increase the discounted value-added service of the new crown test kit; at the same time, by extending the waiting period, the overall business cost is reduced to a certain extent. Risk and payout risk.

  In addition, this isolation insurance product clarifies the "non-insurable groups" and "non-payable conditions" on the insurance page.

For example, those who have been diagnosed or have been diagnosed as infected with the new coronavirus, or have been confirmed as suspected cases, belong to the uninsured group.

However, home health monitoring (non-mandatory) is not a responsibility for home isolation and cannot be compensated.

  What to know before investing

  It is worth mentioning that with the frequent occurrence of isolation situations, many people have also purchased isolation insurance, but they do not necessarily fully understand the protection responsibilities of the product.

In this regard, the Shanghai Banking and Insurance Regulatory Bureau promptly reminded consumers about purchasing "isolation insurance".

  Relevant cases show that Ms. Wang purchased an insurance product in November last year, which included the rights of “200 yuan/day of compulsory isolation allowance insurance for new coronary pneumonia” (commonly known as “isolation insurance”).

When she sought a claim because she was forced to be quarantined in a centralized manner in December last year, she was told by the insurance company that the second contact was not covered by the compensation, and the insurance liability only covered the isolation of close contact and medium and high-risk areas.

  During the same period, Ms. Sun also purchased this insurance product. She said that she was required to be quarantined at home by the disease control system, and a seal was attached to the door and a monitor was installed. However, the insurance company believes that this is a home health monitoring, not covered by the insurance clauses. Mandatory quarantine is also not considered a close contact, so no claim can be obtained.

  In this regard, the Shanghai Banking and Insurance Regulatory Bureau reminds consumers that they should understand the "secondary insurance" before purchasing "isolation insurance", that is, "what is not insured" and "what is insured", and keep relevant quarantine certificates after purchase.

  First of all, nothing is guaranteed, and the scope of responsibility is clear.

In the special period of "talking about the color of the epidemic", more and more insurance products related to the epidemic have entered the public eye, and some can get a few hundred yuan per day quarantine allowance for the price of "a cup of milk tea".

Consumers have strong purchasing demands for "isolation insurance", but it is easy to ignore the liability exemption clause of "nothing insured".

  "Exemption of liability", also known as "exclusion of liability", refers to the clause in the insurance contract that exempts the insurer from liability, that is, the scope or type of risk for which the insurance company is not liable for insurance compensation or payment in accordance with the law or in accordance with the contract.

For example, the liability exemption clauses of some "isolation insurance" stipulate that although the insured is quarantined in a centralized manner but does not pay the quarantine fee at their own expense, the insurance company shall not be liable for claims.

In addition, those who have been suspected of being infected or have received a notice requiring isolation before applying for insurance, or the area where the insured is located before the insurance contract takes effect is listed as a medium-high-risk area announced by the state, etc., may be exempted from liability.

The liability exemption clause is very important. Consumers must carefully read this part of the "what is not insured" clause, and then apply for insurance after a clear understanding.

  Second, what to protect, a clear definition of "isolation".

When insuring "isolation insurance", the "isolation" understood by consumers is not necessarily the "isolation" defined in the insurance clauses.

For example, consumers generally believe that "home isolation" is "isolation", but the responsibility stipulated in many "isolation insurance" clauses is "centralized isolation"; Each patient must be in a separate isolation space; in addition, part of the "isolation insurance" is only applicable when the insured is identified as a close contact or in a medium-high-risk area, and is notified by the local government or epidemic prevention department to require centralized isolation.

Health monitoring, home isolation, etc. are not covered by the above-mentioned "isolation insurance".

It is recommended that consumers carefully read the insurance terms when purchasing "isolation insurance" products, clarify the responsibility and scope of protection, carefully judge whether it meets their actual needs, and purchase insurance carefully.

  Finally, relevant supporting materials need to be kept.

When applying for a claim to an insurance company, it is necessary to provide a quarantine certificate, a release form for centralized quarantine medical observation, and other materials. It is recommended that consumers keep relevant documents in a timely manner.

In particular, it should be noted that some "isolation insurance" must be certified by the local epidemic prevention department, and the certification materials issued by the community health center will not be accepted. It is recommended that consumers consult the insurance company they insure before applying for claims to understand the list of materials and related claims. Require.