quarantine can get a 100-yuan subsidy for the new crown quarantine insurance. Will you buy it?
In the context of the normalization of the epidemic, some insurance companies have also successively launched new crown epidemic isolation insurance, diagnosis insurance, and compensation subsidies for those who are quarantined or diagnosed. Currently, the premiums for such products on the market are basically within 100 yuan, and the coverage period ranges from as little as one month to as much as one year. If the insured is quarantined during the insurance period, he or she can receive compensation ranging from 150 to 1,000 yuan per day.
I received an insurance advertisement before entering the community
On December 7, there was an epidemic in Hangzhou. That evening, Ms. Xu took the subway after get off work as usual and returned to her community in , Gongshu District, . Just as she was about to enter the community, a staff member wearing isolation clothing reminded: "Miss, if you enter the community, you can't come out." Ms. Xu struggled for a while and received a pop-up advertisement from Alipay - "New Crown Quarantine" Subsidy insurance”.
This insurance comes from Ant Insurance and Zhongan Insurance . You only need to insure 50 yuan, meet the compensation conditions and complete the claim settlement procedures, and you can get a quarantine allowance of 1,000 yuan per day for no more than 16 days.
Ms. Xu took a look and chose not to buy insurance: "It requires close contact on passenger transport and other operating vehicles, and must meet the requirements of centralized isolation. I feel that I do not meet these conditions." Currently, Ms. Xu is in home isolation .
However, some netizens said they wanted to buy it, "I'm afraid they won't be able to pay for the room if they are quarantined!" "Even if the room fee is 300 a day, I can still earn 700."
Reporters found out that some netizens shared that after purchasing insurance Experience: "After I bought it, unfortunately I was on the same trip as a confirmed case in Xi'an. I was forced to quarantine and no compensation was given. I could only get compensation if I rode in the same car." And when replying to other netizens, he said, "The same community does not count. , Scenic area cars are not included.”
Many netizens reminded that you must read the terms carefully because the compensation requirements are relatively high and it is difficult to obtain compensation.
In August this year, @丁香园 also posted a question on Weibo : If someone buys this insurance and then goes shopping in a risk area, is it considered insurance fraud? Some netizens replied that someone had indeed done relevant tutorials.
In addition to the "New Crown Isolation Subsidy Insurance" launched by Ant Insurance and Zhongan Insurance, similar products include Fosun United's Aiwuyou, Zhonghuihuang's Universal Epidemic Insurance, etc.
When purchasing quarantine insurance, you must read these terms clearly.
You will lose money if you are quarantined. It sounds like a little comfort in the "small mourning". However, you should also read clearly the claims terms before purchasing.
The most important thing is to clearly understand the object of compensation. The reporter compared several new crown isolation insurance products and found that most of the products only paid for centralized isolation, and home isolation was not covered by the coverage. Isolation insurance that can also pay for home quarantine, such as Fosun United's Aiwuyou, can pay 200 yuan/day, up to 30 days, and the home health monitoring part will not be compensated.
The most important piece of information for claims settlement is the isolation certificate. There is currently no unified version. It can be issued by neighborhood committees, communities, streets and other institutions based on the actual situation. It should be noted that most insurances do not recognize quarantine certificates issued by communities or properties.
(Interpretation of Fosun United Insurance Company Channel)
In addition, the disclaimer clause of should also be read carefully. One of the exemption clauses in many COVID-19 quarantine insurance policies is that "people who return home or visit relatives from non-medium and high-risk areas or closed management areas in the city as required by local governments or epidemic prevention departments shall be quarantined in a centralized manner or at home." For example, compulsory quarantine after returning to the country will most likely not be compensated. In addition, compensation will not be paid for those who have been notified of compulsory quarantine or have been identified as medium and high-risk areas.
(an insurance disclaimer)
Xiaoxiang Morning News reporter Li Xinzhi
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