Internet celebrity isolation insurance and hotel cancellation insurance, are they reliable?
Widely observed
"Isolation for one day, 300 yuan in hand", "Orders can be cancelled at any time without any reason, and the handling fee is free." The former Internet celebrity isolation insurance and "hotel cancellation insurance without reason" have gradually become less "popular", but have caused many complaints due to refusal to compensate .
The reporter searched the black cat complaint platform with the keyword "isolation insurance", and there were a total of 4,654 related complaints.
After investigation, the reporter found that the purchase of isolation insurance does not mean that you will be compensated, and you need to read the relevant provisions in the insurance clauses carefully; If you have any questions, you can call the customer service hotline of the platform where you purchased it as soon as possible.
Industry insiders suggest that consumers read the claims conditions carefully, and insurance companies are also keeping pace with the times and updating the isolation insurance claims conditions in light of the latest national epidemic prevention and control.
Text/Guangzhou Daily All Media Reporter Zhao Fangyuan
Internet celebrity isolation insurance: After purchasing insurance, you may not be able to get allowance compensation
"The area where I was located was sealed off and I was quarantined for nearly 3 months. I purchased isolation allowance insurance. When I applied for a claim, the insurance company refused to pay, on the grounds that it did not meet the isolation requirements of the insurance regulations." On the black cat complaint platform, a one complainant said.
Can I get a subsidy for isolation after I buy insurance?
On an Internet platform, Huatai New Crown Isolation Insurance is currently on sale, including two plans of 8.8 yuan and 16.8 yuan.
The product introduction shows that the "COVID-19 Isolation Allowance (Due to Suspected or Confirmed Infection)" liability only covers that the insured is subject to compulsory centralized isolation in accordance with laws and regulations due to the suspected infection or confirmed infection of the new coronavirus pneumonia caused by taking public transportation (excluding home isolation), including asymptomatic infections.
Close/sub-close connections are not covered by the guarantee.
Some travel e-commerce platforms will also sell "epidemic protection (including isolation allowance)" (hereinafter referred to as "isolation insurance") for hotel reservations sold by travel e-commerce platforms.
A type of isolation insurance bundled with a hotel is priced at 28 yuan per copy. The fact of close contact with the case of infectious diseases, and then the national announcement (including the provincial level) shows that there are confirmed cases of infectious diseases agreed in the insurance contract in the scenic spots during the period, and centralized isolation is required by the relevant national health administrative departments at the provincial level and above. The daily quarantine allowance stipulated in this supplementary insurance contract shall be paid according to the actual quarantine days of the insured, with a maximum of 8 days.
Hotel Cancellation Insurance: Some platforms claim to have launched their own insurance without cooperating with insurance companies
Recently, some media reported that consumers booked a hotel on an app and spent 15 yuan to buy a hotel cancellation insurance without reason. However, due to the temporary cancellation of the flight, they had to cancel the hotel order. The platform customer service said that the hotel would charge 20%. handling fee.
The reporter searched for a hotel on a travel e-commerce platform. Under the order, you can choose a "Worry-Free Cancellation" with a price of 15 yuan per copy, claiming that "the order can be cancelled at any time without any reason, and the handling fee is free."
Using "Worry-Free Cancellation" can cancel the hotel order without any reason and refund the room fee within the effective period, and the platform will be responsible for the loss of prepayment after the cancellation of the order.
If the ticket is refunded due to non-user reasons (such as natural disasters, government requisition, hotel fault, etc.), the user will be refunded if the rights and interests are not used. You can contact the platform customer service hotline.
Different from the epidemic protection (including isolation allowance) bundled with hotels, "Cancellation No worries" only has a brief product description, but does not have insurance instructions and related insurance companies.
To this end, the reporter called the customer service of the travel e-commerce platform to learn that "Cancel Worry-free" is a product launched by the platform itself and has not cooperated with insurance companies.
"If you have purchased 'Worry-Free Cancellation', if you do not check in, you can cancel without any reason. The loss of the room fee due to the cancellation of the hotel order will be borne by our platform. At this time, the 'Worry-Free Cancellation' purchased at this time is equivalent to taking effect, and this part of the cost No refund." The customer service said.
Industry Tip: Insurance companies should update the conditions of isolation insurance claims in a timely manner
You also need to pay attention to the "waiting period" when purchasing isolation insurance.
The waiting period refers to a period of time calculated from the effective date of this contract. The specific number of days shall be agreed upon by the insurer and the insured when applying for insurance and stated in the insurance contract.
In the event of an accident insured by this additional insurance contract during the waiting period, the insurer shall not be responsible for paying the insurance benefits of this additional insurance contract.
For example, the waiting period for the "New Crown Epidemic Isolation Allowance" is 2 days, which means that within 2 days after the start of the insurance period, if an insurance accident occurs, the claim cannot be paid, and only after that.
Song Zhanjun, deputy secretary-general of the China Insurance Research Institute of Beijing Technology and Business University, analyzed that the main problem of hotel cancellation insurance is whether the publicity of the ticketing platform is comprehensive and clear.
"The problem with isolation insurance is that the isolation conditions that consumers understand, such as the closed control area, do not meet the insurance company's compensation conditions. In fact, after the China Banking and Insurance Regulatory Commission regulates isolation insurance, the conditions for isolation insurance claims have become clearer. Consumers are advised to read carefully. Insurance companies should also update the isolation insurance claims conditions based on the latest national epidemic prevention and control," Song Zhanjun said.
The China Banking and Insurance Regulatory Commission issued a document to regulate the "isolation" allowance insurance business
As early as February this year, in response to the problems of false propaganda and difficulty in claim settlement of "isolation insurance", the Property and Casualty Insurance Department of the China Banking and Insurance Regulatory Commission recently issued the "Urgent Notice on Regulating the Operation of the "Segregation" Allowance Insurance Business ("Notice" for short). ) to regulate the "isolation" allowance insurance business from six aspects.
The "Notice" requires that the company develop products in accordance with laws and regulations, and set reasonable conditions for liability exemption and claims settlement.
Product publicity shall not make misleading publicity or explanations on important situations such as insurance product liability by means of deception, concealment or inducement, and shall not conduct one-sided publicity and malicious hype for the purpose of attracting consumers' attention.
In the sales process, the obligation of explanation should be fully performed, and the insurance liability, liability exemption and claims settlement conditions should be fully explained, and prompts and explanations should be given to the clauses exempting the insurer from liability in accordance with laws and regulations, which are sufficient to attract the attention of the policyholder.
In terms of strict claims management, the "Notice" pointed out that the company should attach great importance to customer service, do a good job in explaining relevant business and follow-up insurance claims services, and should take the initiative to provide claims services in the event of an insurance accident, and must not refuse claims without reason. Affect the normal claims of consumers and prevent problems that infringe on consumers' rights and interests.