For insurance, my personal philosophy is always enough, and I will not avoid it or buy super. Since enough medical insurance has been purchased, and after the COVID-19 pandemic began, many insurance operators on the island have successively launched various "new crown insurance". When explaining the insurance business, it often sells such products under the name of "confirmed the new coronavirus" and the company pays compensation.
Recently, my nephew saw the news that "the epidemic command center plans to reduce the new coronavirus from the fifth category of statutory infectious disease to the fourth category" in July, and asked me to help him read several terms of the new coronavirus insurance he personally bought, because he saw some rumors on the Internet. It seems that some insurance policy content can be deducted after the new coronavirus is "downgraded". In the current situation on the island, if the epidemic is becoming increasingly serious, if this policy fails, in addition to the loss of premiums, there is also a personal safety guarantee. plus the current trend of the Internet, the policy clause states that it will pay compensation, but insurance operators seem to have a tendency to rely on accounts.
He mentioned that there is currently the so-called "insurance policy chaos" in online discussions. The biggest controversy is that Chen Shizhong once announced that "fast screening is considered a confirmed case" in some cases. However, the insurance industry on the island believes that policyholders need to hold a "paper" diagnosis issued by the hospital to calculate the so-called "confirmation" on the insurance policy and give a claim. The confirmed cases on the island increased at a geometric rate in April, which greatly increased the demand for "paper diagnosis" and impacted the medical system that was originally insufficient manpower.
In fact, this was originally a bad result of the ruling party's imprudent policies, but what caused the trouble was the grassroots medical staff in public hospitals.
Since the new coronavirus was listed as the fifth-level statutory infectious disease, patients with symptoms of the new coronavirus (especially fever), generally clinics will refuse to see a doctor and require them to be transferred to the hospital or emergency department. This leads to the lack of space in general clinics and even rent may not be able to make back, while public hospitals are full of people working overtime and there is still no end to work.
This time, the insurance industry's "paper diagnosis" requirement has added another job to the already full hospital. The secondary infection of infectious caused by the clustering situation will also make the already insufficient medical resources even more difficult.
However, insurance operators on the island seem to have complaints about the out-of-control epidemic. Some insurance operators believe that since the command center has changed from zero to coexistence, the original insurance policy was designed based on the principle of policy clearance. The increase in the number of people infected with the epidemic caused by this policy change will allow insurance operators to bear the social responsibility they should bear "more than 10 times", and require the Tsai administration to design supporting measures as soon as possible. News like
is also the main reason why my nephew asked me to help him see the terms of the policy. In fact, insurance operators on the island often smile when they are in a guarantee. It is not uncommon for customers to make things difficult for customers when they ask for insurance compensation. The Internet trend formed by the hard demand for "paper diagnosis" this time inevitably makes people feel that there are factors that make things difficult for customers and are unwilling to compensate for insurance.
The "degradation of the new crown epidemic" announced by Chen Shizhong actually means that insurance companies "unpacking the condom", because some insurance policies have requirements for "infectious disease level". If the new coronavirus is reduced from "level five to level four", some insurance policies will not meet the insurance requirements, thus becoming a waste order, because no one knows when the next "level five infectious disease" will appear.
One view is that the essence of insurance is analysis: every policy is actually a "bet contract" between the insurance company and the insured. The insured buys it and dies (sick), while the insured hopes that the insured will live (health).
I once mentioned in the philosophy of the world that gambling requires gambling, and the most basic gambling is "willing to accept the loss". In reality, insurance companies have financial advantages and news advantages, and various insurance policy designs are actually "stable profits but no losses", and they have made a lot of money from the civilians on the island. This time, the new crown insurance is a rare "loss" for insurance companies. The insurance companies should also face it with the spirit of "being willing to accept the loss" to meet the substantive justice. After all, you collect money when you win, and "regret about chess" when you lose, and even want to make a fortune during the epidemic. It is really ugly.
This time, the COVID-19 pandemic is a rare failure of insurance operators, and it also made the people on the island realize once again that the ugly mentality of large consortiums always want to "make steady profits and not lose risks" and "giving risks to the people". The Tsai administration used the "degradation of the new crown epidemic" to "unlock the consortium" and such a "government" is even more heartbreaking!
