"I bought it and found out that there are actually many pits..." Sina Weibo certified as "China International Travel (Zhejiang) International Travel Agency Planning Director" and complained about "New Crown Isolation Insurance" on Weibo.
With the Spring Festival approaching, the flow of people across the country has increased more than usual. Many insurance companies have launched "isolation insurance" with low prices and convenient purchase.
However, the reporter found that the so-called "isolation insurance" is not a separate type of insurance. It is easy for consumers to buy and difficult to claim. It seems simple but has many traps.
Many people in the industry said that the re-launch of "isolation insurance" by insurance companies or platforms before the holiday is mostly a gimmick to increase the flow, and consumers should read the terms carefully when purchasing, especially the exemption clause.
Text/Guangzhou Daily All Media Reporter Zhang Zhongan
Hit the edge ball "out of the circle"
The reporter entered the keyword "isolation insurance" into the search engine, and the search results reached more than 22 million, and the content at the top of the search results were basically advertisements related to "isolation insurance".
And the advertisements are very eye-catching, such as "starting at 10.8 yuan" and "home isolation compensation of 200 yuan/day".
The so-called "isolation insurance" will gradually enter the public eye in mid-2021. Such insurance often covers the death, diagnosis, isolation and accidental injury of new coronary pneumonia at the same time.
As early as February 2020, the China Banking and Insurance Regulatory Commission proposed to prohibit insurance companies from developing single-liability products for new coronary pneumonia.
According to regulatory requirements, most of the "isolation insurance" on the market is an extension of accident insurance and disease insurance. It bears allowances including compulsory isolation due to epidemic prevention and control policies. In fact, it is accident insurance + new crown related liability insurance.
It is worth noting that, from the "isolation insurance" currently on the market, the average monthly fee ranges from 4.9 yuan to 60 yuan, the premium is low, the return on claims is attractive, and the purchase is convenient. great attraction.
However, as a new type of business, "isolation insurance" has some vague and confusing areas in sales and claims, and insurance companies and sales platforms also use this vagueness to gain traffic.
There are many "routines" for actual claims
The above-mentioned "China International Travel Service (Zhejiang) International Travel Agency Planning Director" said: "'Isolation Insurance' is really an IQ tax, that is, if the insured is quarantined due to the new crown pneumonia epidemic during the insurance period, he can enjoy subsidies during the quarantine period. , the amount is 300 yuan to 500 yuan per day. But I bought it and found that there are actually many 'pits'." The reporter also learned from a complaint platform that consumers' complaints about "isolation insurance" are mostly because it is easy to buy and difficult to claim. .
The planning director used his own case to list at least 8 "pits" where "home isolation can also be compensated".
Disclaimer to see clearly
保险人员称，消费者在购买时，不仅要看理赔条款，更要看免责条款。很多“理赔难”就出在免责条款中。
记者在某航空公司贴出的新冠疫情隔离津贴看到，被保险人在保单载明的保险期间内搭乘飞机、火车、轮船、营运汽车，因同乘旅客确诊新冠导致被保人被强制集中隔离的，可以提供2000元/天，最高28000元的保障。
但该保险公司给出的除外责任有7项，如被保人在保险起期前已确诊新冠肺炎的；被保人在保险起期前14日去过境外或中高风险地区，或接触过新冠确诊病人的；被要求居家隔离的；交通工具的出发地/途经地/到达地在起保前及保险期限内被公布为中高风险地区的等。即使触发理赔条件，理赔还需要提供隔离证明、集中隔离医学观察解除单等并加盖地方卫健委或疫情防控指挥部印章。