Ms. Zhang, the owner of Park Yipin Community, Weiyang District, Xi'an City:
Due to the repeated epidemic, I learned from a friend that a Zhongan Insurance Aiwuyou Quarantine Allowance Insurance. The top of the homepage of this insurance independent publicity page shows: There is a allowance for home isolation, 200 yuan/day; you can also pay for sudden death, and expand the protection of new crown deaths, etc. At the same time, the claim can take effect after purchasing the insurance only with a two-day waiting period.
Under the temptation of publicity terms such as "Home quarantine has allowances", on March 10, I bought the insurance for myself and my family respectively, each of which was 59 yuan per share, and paid a total of 177 yuan in premiums. What I didn't expect was that because the epidemic in Xi'an was repeated again, my community was notified by the epidemic prevention and control command center of Zhangjiabao Street Office, Weiyang District, to be closed and managed from March 15. Building 5 of the community was classified as a locked area, and all owners were quarantined at home in accordance with the government's requirements, and it was not officially unblocked until the end of the month.
Before the home quarantine ended, I specifically checked the link to this insurance. The link shows that applying for the liability claim for isolation allowance requires formal isolation proof materials provided by relevant departments such as health and health committees, streets, management committees, neighborhood committees and other levels. When I took the community quarantine certificate and clicked the purchase link at that time to apply for a claim on April 3, I was rejected. The customer service of Zhongan Online Property Insurance Co., Ltd. sent a text message saying that I am not a close contact, nor am I in a medium- and high-risk area, so I cannot file a claim. On April 9, I submitted a claim again, but was still refused compensation by ZhongAn Online for the same reason.
I was quarantined at home and I had relevant supporting documents. Why doesn’t ZhongAn Online pay compensation? Why should we not put the publicity slogans such as "Home isolation has allowances" and "must be close contacts" or "medium and high-risk areas to receive compensation" together? If you know in advance, you won’t buy the “quarantine insurance” that is exaggerated in your opinion. Many colleagues and neighbors also laughed at me for being "cut off the leeks" by Zhongan Online, and I was completely paid the IQ tax.
"Isolation Insurance" As a commercial insurance, it should first be honest and trustworthy, and should ensure the right to know. Through the media, I hope ZhongAn online modification of the false publicity in this insurance and apologize to consumers. Please ask the banking and insurance regulatory departments to further clarify, regulate and guide, strengthen their protection, reduce the gimmick marketing and routine marketing of insurance companies, and strictly investigate illegal operations of insurance companies, so as to truly protect the legitimate rights and interests of consumers.
The above information is a record of Xixi News Hotline. Please check the situation as soon as possible and stamp the verification and processing results with the official seal. The electronic reply letter will be sent to [email protected]
Contact number: 029-86228844
Editor: Sun Jianhang Wang Jie (intern editor)
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