"Don't worry about quarantine", "Just as long as 9.9 yuan, you can get 200 yuan per day", "Let the insurance company pay you a salary during the quarantine period"... As the epidemic is repeated, many publicity about epidemic isolation insurance continues to appear. The epidemic isolation insurance sounds very cost-effective, but there was still a lot of controversy when the claims were settled, and there were also remarks like "epidemic isolation insurance is a scam". What exactly is the cause of problems in the epidemic isolation insurance claims? Can you buy epidemic isolation insurance? Let’s discuss it today.
Reasons for the rejection of claims
claims failed due to incomplete materials
When Mr. Tian from Jilin applied for the claim, the insurance company found that he could not meet the material certificate required by the insurance company because it required a paper nucleic acid test report stamped by the medical institution. Therefore, his claim application is unacceptable.
Mr. Tian expressed that he used community certificates and nucleic acid test electronic report instead, and the insurance company staff also clearly expressed his rejection. Because the community is not a medical institution, it is impossible to issue a medical certificate . In addition, positive does not mean a confirmed diagnosis. It may be an asymptomatic infection of .
failed to make a claim because it does not meet the "isolation definition"
Carefully study the terms of multiple isolation insurances and finds that The quarantine allowance has very strict requirements for "isolation". For example, because it is quarantine-at-home isolation in the same community as the confirmed or close contact, this does not meet the compensation conditions in most products.
Take one of the best-selling products as an example. The isolation allowance must meet one of the two conditions, namely, the confirmed person is close contact or isolate in medium- and high-risk areas.
epidemic isolation insurance, I hope to place an order
No matter what kind of insurance it is, insurance is still a product that is quite professional in itself . However, in the Internet promotion of many isolation insurance products, , only uses "low price", "insurance of everything", and "can be compensated by isolating" as the slogans to attract customers. Therefore, we must look at the terms ourselves, carefully check the scope of insurance claims, and see if we need it. At the same time, it is best to ask a professional insurance consultant around you to have a relatively more correct and accurate understanding of the product.
The epidemic is still continuing, and the risks still exist. epidemic isolation insurance is not something you cannot buy, but you need to understand clearly before placing an order .
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