When the epidemic first emerged, Youbaojun briefly explained to everyone that the issue of compensation for infectious diseases mainly covers medical insurance, life insurance, and critical illness insurance. On January 22, the Ministry of Finance and the National Medical Insuran

When the epidemic first emerged, Youbaojun briefly explained to everyone that the issue of compensation for infectious diseases mainly covers medical insurance , life insurance , and critical illness insurance .

On January 22, the Ministry of Finance and the National Medical Insurance Bureau jointly issued the "Emergency Notice on Medical Protection for the Pneumonia Epidemic of New Coronavirus Infection" which stipulates:

For the medical expenses incurred by patients, the medical expenses incurred by the patients shall be included in the basic medical insurance, critical illness insurance, and medical insurance. After assistance, etc. are paid in accordance with regulations, the personal burden will be subsidized by the finance department. Furthermore, reimbursement does not apply to the reduction of the payment ratio for medical treatment outside of the country. The use of drugs and medical services that comply with the new coronavirus infection pneumonia diagnosis and treatment plan formulated by the health department can be temporarily included in the scope of medical insurance fund payment.

This set of policies is because in fact, regardless of whether there is social security or not, the relevant treatment costs can basically be paid by the state. Commercial medical insurance seems to be less important. I really want to praise our country's courage and determination to fight the epidemic!

But the epidemic is far from over. Who knows how much medical insurance can bear. Recently, we learned that many severe SARS patients had serious sequelae and required lifelong treatment.

It is hard to say whether this new type of pneumonia will also have sequelae. Therefore, commercial medical insurance, as the saying goes, can be used as long as you need medical treatment, and it is not necessarily a waste if you buy it.

Currently, life insurance has caused the most claims due to the novel coronavirus pneumonia. As of February 3, more than 360 people have died of new pneumonia.

Of course, death is not only covered by life insurance. If you purchase critical illness insurance with death liability or death premium, you can also be compensated.

In addition to ordinary commercial insurance, many insurance companies have also launched special insurance types for this new type of pneumonia. Do you need to buy it?

After looking at several similar insurance types, Youbaojun found that most of them take the original products such as accident insurance, medical insurance, critical illness insurance, etc., and add additional responsibilities for the new type of pneumonia. If the price is right, you can buy

, and it will be useful if something goes wrong.

takes a product that appeared in Youbaojun Moments as an example.

In fact, the product prototype is an accident insurance, with additional protection for death and disability due to new pneumonia.

The insured amount is 200,000 yuan, 100 yuan a year.

Measured by the standards of ordinary accident insurance, it is quite expensive. However, looking at it from another perspective, now is the peak period of pneumonia. Spending an extra 5 yuan to buy a new type of pneumonia that is responsible for death and disability does not seem to be bad.

Many insurance companies have adopted various humanized services in the face of this epidemic: for example, many medical insurances have canceled the restrictions on the new type of pneumonia, waiting period, deductible, and prioritized claims settlement, etc.

For other epidemic prevention insurances, you can draw inferences and analyze them using similar ideas.

The last thing I want to say is that the role of insurance is ultimately a financial compensation afterwards.

Everyone must raise awareness of prevention - wear a mask, wash hands frequently, avoid going to crowded places, and seek medical advice promptly if you have fever or cough.

The epidemic is still in the outbreak period. More and more friends may have to return to work. Please protect yourself. This is contributing to the country!