In recent days, as the country has completely relaxed its control over the new crown epidemic, a large number of people have begun to be infected by the new coronavirus. Subsequently, complaints about the denial of compensation for new crown insurance have become a hot spot on the Internet. On the Black Cat Insurance Complaint Platform, there are currently 954 relevant complaint information that can be searched. The insurance companies that received the most complaints were Zhongan Online Property Insurance and Taiping Property Insurance . The complaints mainly focus on: 1) The insurance company requires customers to provide more test reports; 2) The confirmation of claim settlement standards is different; 3) The insurance company is unable to communicate.
The author called the customer service hotline of Zhongan Insurance and the Zhongan Insurance app and found that all the previous special insurances for COVID-19 have been removed from the shelves, and only some accident insurance products also come with the protection of sudden death from COVID-19. Fortunately, you can still find information about these new products on the Internet. Let’s take a look at what COVID-19 insurance can cover.
As can be seen from the summary table above, this insurance seems to be really good, the cost is very cheap and the coverage is so complete. Zhongan’s COVID-19 accident insurance includes diagnosis benefit, COVID-19 isolation allowance, COVID-19 death, and even COVID-19 vaccination accident insurance. Why was such a good insurance taken off the shelves after the epidemic was relaxed and controlled? If we continue to sell it now, won't it be sold out like the antigen ? Why not sell when customers need it most? Let’s first understand some basic knowledge about insurance companies.
Insurance products are priced by actuaries by calculating the probability of occurrence of the disease and accident risks that need to be protected, and then combining them with big data. An insurance company is not a charity. It also needs to make profits and pay dividends to shareholders and customers every year. Insurance companies also have their own costs, such as the cost of actuaries, marketing costs, and the cost of purchasing reinsurance . Therefore, every time an insurance company develops a new product, it must consider the above factors to ensure that the product is reasonably profitable and can provide effective protection for customers. How do you say something? Classics will last forever, classics will never go out of style, and good products are classics.
Let’s not worry about the protection content of the above COVID-19 insurance products, nor will we analyze who is right and who is wrong in these disputes. Let’s first talk about the situation of COVID-19 in our country. The new coronavirus has been causing harm in our country for three years. The government has been implementing strict control and a policy of dynamically clearing of . This means that the infection data and fatality rate of the new coronavirus are not data in the natural state, and the errors will be relatively large. As a new disease with a strong mutation ability, scientists are still exploring all treatments and diagnosis. Finally, this is a disease that is greatly affected by national policies. All its management measures follow national policies and are subject to human control and will change in real time. To sum up, if you want to use an insurance product that is supposed to protect according to the laws of nature to protect a disease that has many human-controlled factors, will this be effective? The result is that these insurance companies are short of money and want to reap a wave of IQ taxes by cutting leeks.
Here are four suggestions I would like to give you:
1) When buying insurance products, you must first clearly understand that insurance is for protection rather than for investment and profit. Then according to the product functions, choose products that meet your needs among annuity insurance, life insurance, critical illness, medical and accident insurance, and do not buy some weird products. In the three years since the epidemic began, many insurance companies have expanded their insurance products to cover the new coronavirus epidemic. For example, our company’s special announcement regarding the new coronavirus disease (as shown below).
There are also some products that can meet the needs of COVID-19 protection. For example, our company's high-end medical has a non-hospitalization claim, which means that if you are hospitalized but do not apply for a claim, you can get a hospitalization subsidy of up to 650 yuan per day. Isn't this much more reliable than the so-called isolation insurance?
2) When buying insurance products, you must give priority to the company. Only insurance companies that put customers first and emphasize long-termism deserve priority. When buying insurance, don't think that you can take advantage of the insurance company or compete with the insurance company for your IQ. Because what you thought of, the insurance company must have thought of it too. As an standard contract , the insurance contract cannot be changed for someone. Instead of analyzing a professional insurance contract, you should analyze how an insurance company serves and respects its customers, and whether it can do better than what it says. If you can buy a big company, you must not buy a small company with no reputation. No one knows how many years these small companies can survive.
3) When buying insurance products, you must be able to buy them offline and don’t consider online. As a highly professional product, you need professional interpretation by professionals, rather than relying on your own intelligence to handle everything. After all, there are specialties in the industry. In addition, you also need professional services and claims settlement, not unlimited transfer sounds on the phone.
4) When buying insurance products, you must go to professional channels. For example, to buy health insurance, you have to go to a life insurance company, not a property insurance company, although they can also have it. For example, when you go to a bank, you should use its functions to save money and manage your finances, rather than buying insurance company products there. For example, if you can buy a product directly from an insurance company, why should you entrust a third-party insurance brokerage company to buy it? Why would a good company sell good products to them?
