In a single day, there were 70+ new confirmed cases in mainland China, affecting more than 100 regions across the country. The Yangzhou community was closed and shut down, and all people in Zhangjiajie were not allowed to leave. Wuhan has launched nucleic acid testing for all emp

There were more than 70 new confirmed cases in mainland China in a single day, affecting more than 100 areas across the country. Yangzhou communities were closed and shut down, and all people in Zhangjiajie were not allowed to leave. Wuhan has launched nucleic acid testing for all employees in the city...

I saw us yesterday There are also cases of close contact in Taizhou, Zhejiang, which makes everyone a little worried. What if they are infected or quarantined? Is there any insurance that I can buy?

As an insurance broker, I have listed several types of insurance you can buy against COVID-19 for your reference.

Regarding the Delta coronavirus, our concerns can be divided into the following 4 levels:

Worry about getting vaccinated

- Purchase exclusive accident insurance for the new crown with vaccine liability

Worry about being quarantined

- Purchase with quarantine allowance Worry about being diagnosed

Worry about being diagnosed

- Purchase exclusive COVID-19 accident insurance with liability for confirmed diagnosis

Worry about death

- Purchase exclusive COVID-19 accident insurance with liability for death/total disability

What to worry about? What.

There are not many new crown epidemic prevention insurances on the market at present. I have selected two for your reference:

The first one is the universal epidemic protection accident insurance from Zhonghuihuang . can cover four levels: one, two, three and four. :

Vaccination: 200,000 insured amount . If you die/disable after taking the COVID-19 vaccine, you can be compensated up to 200,000. Note that there are age limits and time limits: 18-59 years old

quarantined: 2,100 yuan . If is quarantined, you can get a subsidy of 150 yuan per day, for a maximum of 14 days, and a maximum total of 2,100 yuan.

What needs to be noted is that you must take the public transportation stipulated in the contract and be quarantined in a centralized manner. Home quarantine is not applicable. For more details, please see the terms.

is diagnosed: If you are diagnosed with COVID-19, you can be compensated up to 10,000 .

This one is paid according to the proportion: light compensation is 1,000; ordinary compensation is 3,000; heavy compensation is 8,000; critical compensation is 10,000

Death: new crown death compensation is 200,000.

There are other public transportation death/disability responsibilities. You can see the picture below:

30 days is 9.9 yuan; 90 days is 29.7 yuan, you can choose by yourself.

Another one is Taipingchang Wuyou Epidemic Prevention Insurance:

The characteristic of this insurance is that the insurance amount is relatively high ,

vaccine liability is 300,000;

diagnosis liability is 20,000;

new crown death liability is 300,000; Huigao;

Moreover, the vaccine is not limited to the new crown vaccine, such as pneumonia, influenza, rabies, hepatitis B, HPV vaccine, etc.;

The confirmed diagnosis is regardless of the level , all 20,000;

The new crown virus not only protects the person from death, but also total disability Compensation is 300,000 yuan;

COVID-19 hospitalization also provides hospitalization allowance, which is generally 100 yuan/day; ICU 500 yuan/day.

also has medical subsidies for adverse reactions to vaccines. The price of

is not expensive. The price for 6 months is 69.9 yuan, which is equivalent to 11.65 yuan per month, which is not much different from 9.9. The disadvantage of

is that it does not have an isolation allowance, and requires health notification , which is relatively more strict.

And Zhonghui has no health notice . You can buy it as long as you are not in the following situations:

1. Nucleic acid positive

2. Close contact

3. Already or have been diagnosed

4. Already quarantined or under medical observation

The specific comparison responsibility is here, You can take a look at it yourself.

One person can buy double shares, and the death/disability insurance amount is superimposed.

Finally, I need to emphasize that:

COVID-19 epidemic prevention insurance is generally short-term insurance, which only lasts for 1-6 months. The coverage period is short, and the core protection content is mainly based on COVID-19, and

other risks are difficult to cover. : Such as falls, burns, self-driving, critical illness, etc.;

Therefore, if you want more comprehensive protection, you should configure the five major types of insurance: critical illness, medical, accident, life insurance, and savings, so that you can deal with risks more comprehensively and calmly.

Of course, in addition to insurance, we should also take protective measures in advance: wear masks, wash hands frequently, keep distance, go out less, get vaccinated, and actively cooperate with prevention and control measures. We have won once, and I believe we will be able to find a long-term way to win this time.

Come on!

I am Xu Saisai, with 6 years of experience in banking and finance, an insurance broker, focusing on asset allocation and risk planning for middle- and high-net-worth families.