In the past, many people have reported that banks and other financial institutions can only add icing on the cake and will never give it to timely help. It's really happening now.
Since 2020, various insurance companies have launched various epidemic-related insurance types, among which the compensation conditions are that as long as the insured is diagnosed with new crown or is in centralized quarantine, then you can get a certain compensation after taking out the insurance. For example, if the insurance amount is 9.9 yuan per share, then you can pay 1,500 yuan after the diagnosis, and you can invest more and pay more. Of course, the insurance period is not long, it may be 3 months to 6 months. But this insurance also gives people a little comfort to the epidemic.
But even so, in the past two years, when people are really isolated or diagnosed, if they do not obtain a complete medical certificate confirmation, or have not obtained a certificate from the local government, it will actually be difficult in the insurance claim process. Many insurance institutions refuse to file claims without obtaining sufficient supporting documents, which has caused a lot of controversy.
But this does not prevent various insurance companies from launching various new crown epidemic insurances. The conditions are becoming more and more attractive. Sometimes, people may feel that after being infected, they may also receive sufficient compensation protection in addition to actual expenditures or potential losses. The enthusiasm of the people is also very high, and it once became a popular Internet celebrity insurance product in the circle of friends.
For example, a certain d new crown epidemic prevention insurance that entered the insurance industry through crowdfunding, cooperated with a certain An Property Insurance Co., Ltd. with a premium of 99 yuan, and the protection content includes a maximum of 300,000 yuan in death, disability, and a maximum of 10,000 yuan in new crown diagnosis insurance. For example, the insurance company in a certain place underwrites the "9.9 yuan to protect your heart and get a positive nucleic acid" insurance policy for the new crown fight against the epidemic, which is popular in a certain group. As long as the new crown is confirmed (including asymptomatic), the compensation will be paid unconditionally with 1,500 yuan, and the insurance period is 3 natural months.
However, starting from December 8, these insurance products have been quietly removed from the shelves. For example, similar products on Taobao can no longer be opened, and those who were insured before cannot pay the premium. Many insurance company personnel said that there are only insurance products that are responsible for death, which means that if the new crown death continues to be compensated, the remaining confirmed cases and severe illnesses will be removed from the shelves. If they are hospitalized, if they do not buy hospitalization insurance or other similar critical illness insurance, they will not be compensated.
Of course, after these insurance companies stopped selling such insurance products, there were some reminders from regulatory authorities about risks. It is said that the Insurance Regulatory Bureau has previously issued the "Notice on Strengthening Financial Support for the Resumption of Work and Production" requirements, requiring that require insurance companies to accelerate the design and development of liability insurance related to new coronavirus infectious diseases with inclusive prices and a wide range of suitable populations to protect the risks of severe, critical and mortality caused by the new coronavirus.
However, the regulatory authorities actually want insurance companies to improve their operating level, and at the same time, they should develop better insurance products from the policyholders. In fact, they want insurance institutions to expand product insurance liability without increasing the fees and improve their ability to protect the risks of severe, critical and mortality caused by the new coronavirus.
Unexpectedly, the effect obtained is that the insurance company quickly removes the related products and stops selling new products. In addition, some insurance companies also refund the fees for insured persons who have already purchased insurance and actually paid premiums, and do not communicate in advance. This has many cases.
Although the current policy changes, infection cases may rise in the future, it is possible that due to the lack of nucleic acid testing certificate, the insured will still not be able to receive effective compensation, so this actually gives the insurance company a reason to refuse payment or be entangled. But for insurance companies, the best way to avoid this uncertain risk is to remove the product.
will only hold umbrellas on sunny days and will not provide timely help. There was once an sigh that many entrepreneurs made when dealing with financial institutions. But if you encounter this kind of universal insurance product, won’t the many insured people also sigh like this?
