"As long as a cup of milk tea money" a variety of Internet celebrity isolation insurance removed from the shelves
Industry: Model clauses can be explored in the short term
Guangzhou Daily News (all media reporter Zhao Fangyuan) The isolation insurance of "only a cup of milk tea money" has been removed from multiple platforms recently, which has attracted market attention.
Recently, some netizens reported on social platforms that many popular isolation insurances have been removed from the market.
To this end, the reporter learned from a number of insurance sales platforms that the previously popular Zhonghui Mutual Care Accident Insurance was officially removed from the shelves on March 17; Its own platform, Alipay and other channels were removed from the shelves; the related products of Fosun UnitedHealth were also removed from the shelves at the end of last year.
It is worth noting that the reporter found that there are still many insurance companies in the near future, before the product is taken off the shelves, with the gimmick of "the product is about to be taken off the shelf" for the final marketing.
The reporter saw on the WeChat public account of an insurance company that the latest tweet was published on March 16, and the content was to introduce a product of "National Epidemic Baotong Upgraded".
The product claims to be "unlimited for occupations, no warning, no waiting period, flexible period", and the price includes three grades of 19.9 yuan/30 days, 39.9 yuan/60 days and 59.9 yuan/90 days.
In addition, it was specially informed that the product will be removed from the shelves at 20:00 on March 17, calling on consumers to purchase as soon as possible.
The reporter immediately called for consultation, and the customer service said that the product had been removed from the shelves.
"At present, most of the company's insurance related to the epidemic that needs to be paid has been removed from the shelves, and the rest that have not been removed from the shelves are the insurances that were presented with the channel when purchasing other insurances." The customer service told reporters.
Controversy: Isolation Insurance Faces "Easy to Buy, Difficult to Compensate"
Recently, the epidemic has spread in many places and multiple points across the country, and the number of people who are quarantined at home or in a centralized manner has increased relatively, and people's demand for isolation insurance has suddenly increased in the market.
However, a number of popular isolation insurances have been removed from the shelves at this time, and the reasons behind them have to be thought-provoking.
The industry believes that this is the result of a combination of factors such as stricter industry supervision, surge in complaints, and rising loss ratios.
The reporter learned that the previously popular isolation insurance consists of accident insurance as the main insurance and additional protection of statutory infectious disease isolation allowance insurance.
However, some insurance companies claim that "one day of isolation, the compensation amount will be 150 to 1,000 yuan", but the actual situation is that only certain and rare cases of isolation can be compensated accordingly.
The problem of "easy to buy and hard to pay" has also made the isolation insurance on the market face a lot of controversy.
According to the Black Cat Complaint Platform, as of March 22, there have been 1,889 complaints about isolation insurance, most of which focus on false propaganda, difficulty in claim settlement, default bundling, and compulsory tying.
In response to the problems of untrue propaganda and difficulty in claim settlement, in February this year, the Property and Casualty Insurance Department of the China Banking and Insurance Regulatory Commission recently issued the "Emergency Notice on Regulating the Operation of the "Segregation" Allowance Insurance Business, which provides six aspects to the "isolation" allowance. Standardize insurance business.
"Isolation insurance itself is a phased product and should not exist for a long time. In the short term, it is possible to explore the introduction of model clauses by the China Insurance Industry Association." Song Zhanjun, deputy secretary-general of the Insurance Research Center of Beijing Technology and Business University, said that isolation insurance is an important part of the epidemic. Insurance products that are closely related to the situation should also be rapidly iterated in terms of product pricing. Timely removal of old products and launch of new products is also an inherent requirement of this type of product.