is in the end of the year, and the recent epidemic has made people feel a little restless.
A friend went on a business trip to Xi'an and was accidentally quarantined. Fortunately, he bought himself an isolation insurance before, and he could get subsidies during the isolation period. After the isolation is over and the number of days of isolation is determined, he could collect information and apply for compensation. Once
is accidentally isolated, it will take at least one week or more to more than ten days to release the quarantine.
This period not only affects our mood, disrupts the original pace of life and travel plans, but may also cause certain losses to our income.
If you have an isolation insurance, you can get an isolation allowance of 150-500 yuan per day during the isolation period, making up for some income losses, which is also a kind of economic comfort.
isolation insurance has also attracted public attention.
However, many people have such doubts: "You can still get money in quarantine. Is there really such a thing? Can the epidemic quarantine insurance be compensated?" Below
, I will share with you a recent quarantine insurance claim case~
1. The isolation insurance you can get by buying a high-speed rail ticket, and you can actually pay 1,800 yuan
W. On November 28, Mr. Shenyang North took the high-speed rail from Shenyang North to Harbin for a business trip.
When purchasing high-speed rail tickets, he received a message like this: "Snail Insurance Brokerage protects your travels, click to receive the quarantine insurance for free." Mr. W thought that it was free of charge anyway, and the recent epidemic is indeed a bit worrying, so he got a quarantine insurance. The coverage of this isolation insurance mainly includes centralized isolation allowance for COVID-19, death of COVID-19, aviation accidents, train accidents, ship accidents, commercial operation car accidents, etc. The coverage period is 10 days.
The centralized isolation allowance for the new crown is 200 yuan per day, and you can get a maximum of 30 days, but there is a 3-day waiting period. Anyone who is subject to centralized isolation according to law due to close contact with patients with COVID-19 or is exposed to the environment contaminated by the pathogens of COVID-19 can apply for claims for the COVID-19 isolation allowance~
W Mr. Unexpectedly, an isolation insurance that he received casually and did not spend a penny would come in handy and could really get the money.
W Mr. Returned to Shenyang on the afternoon of November 29th.
On December 3, a new crown epidemic occurred in Harbin. On the morning of the same day, he received a call from the public security police to investigate . On December 4, he received a notice from the community that he needed centralized quarantine and was taken to the quarantine hotel on the same day.
So he was quarantined from December 4th and was lifted from quarantine on December 13th.
is quarantine from December 4th to December 13th, a total of 9 days. After the quarantine was over, he applied for compensation for isolation insurance, and finally paid a total of 200 yuan * 9 days = 1,800 yuan, which can be regarded as making up for some of the economic losses.
2. Is it necessary to buy isolation insurance?
Next, it will be the annual Spring Festival travel rush. At the end of the year, visiting relatives and friends and starting to move around large areas, which may have potential risks. If you are worried about the risk of isolation, you can take out an isolation insurance and spend one or two meals of milk tea to give yourself a guarantee.
, especially for people who often travel on business trips, need to travel around the country, need to take public transportation, or have travel plans in the near future, isolation insurance is still very necessary. When taking out insurance, it is recommended to pay attention to these details:
① Isolation allowance is not easy to obtain, and there are not many restrictions. Some people can get money as long as they are forced to isolate, whether it is centralized isolation or home isolation; some only have centralized isolation, and home isolation does not count; some also require taking designated public transportation, where confirmed cases appear in the space, the insured is required to be centralized isolation, and they have to spend money to pay the isolation fee to get the isolation allowance. When taking out insurance, try to choose one with a wide range of protection and fewer restrictions.
② Pay attention to how many days the waiting period is. Some have no waiting period, and some may have a waiting period of 2-3 days. If you are quarantined during the waiting period, you will not get the isolation allowance. Therefore, try to choose one with a short waiting period. If you have determined the travel time and have a plan to insure an isolation insurance, it is recommended to make arrangements as soon as possible and try to avoid being quarantined during the waiting period.
was written in the end
2021 is about to pass, but the epidemic has not completely passed.
Everyone is responsible for epidemic prevention. Everyone must pay attention to taking good protection and protect themselves and their families.
If you are worried that you will be isolated accidentally, disrupting the pace of life or even causing certain losses, you can configure an isolation insurance according to your own situation.
If you have plans for traveling business, travel, etc. in the near future, if you only go out for about ten days, you can also ask me to get one for 10 days of insurance.
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I am Snail Jun, so you can buy the right insurance and spend less money.
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