Regarding insurance, everyone encounters some troubles from time to time.
Recently, a customer who bought epidemic insurance encountered the difficulty of not being able to make a claim after the positive test.
1
The epidemic has been intermittent in the past two years, allowing some insurance companies to start the epidemic business, and many various "epidemic insurance" have appeared in the market.
Many insurance companies or salesmen promote this: if the epidemic is confirmed or quarantined, you can make a claim. It sounds quite attractive.
In January 2022, Mr. Tian and his wife from Jilin bought a similar epidemic insurance to protect themselves. Of course, they never thought that they would really encounter a day when they needed to settle claims.
In March 2022, the epidemic in Jilin spread rapidly. Mr. Tian and his wife were uncomfortable. The self-test antigen was positive. They were subsequently tested for home nucleic acid tests, and they were also positive. They were isolated at home as required and took medication. They healed themselves after a period of time and were released from isolation.
At this time, they remembered the insurance they had bought.
Mr. Tian called the insurance company to apply for a claim. The insurance company asked him to provide proof. Later, because his proof did not meet the insurance company's requirements, he did not receive a claim. Because according to the requirements of the insurance company, a medical institution needs to be presented with a confirmed certificate, but they are self-testing at home and there is also a positive report of nucleic acid on the street. They don’t have to go to the temporary cabin, and there is no certificate they require for the medical institution.
Insurance company said that positive does not mean a confirmed case.
2
The insurance they bought is promoted in this way.
The new crown is diagnosed with 20,000 yuan, the new crown death is given 350,000 yuan, the new crown quarantine allowance is 200 yuan/day, the new crown hospitalization allowance is 100 yuan/day, and the new crown ICU allowance is 500 yuan/day.
Insurance premium is only a few dozen yuan a year. Doesn’t it look very attractive?
When they bought it, they thought that when they were fine, they would only pay for a meal; if they were diagnosed, they could also be reimbursed from 350,000 yuan to hospital allowances of 100 yuan per day.
It is estimated that many people have the same idea when buying insurance, and are prepared for any trouble.
But when I really want to apply for a claim, I encountered such trouble. So they searched online, and the explanations on the Internet were confused, and they said it differently from the actual operation.
For example, it does explain online: Positive and negative symptoms are indeed not confirmed. To be diagnosed, a pulmonary angiography is required to check whether there is any damage to the lungs. Only if there is any damage is considered a diagnosis. By this definition, insurance companies can indeed not pay compensation.
But the problem is that after the positive test, I was not allowed to go out at all. Where did the confirmed diagnosis report come from?
3
So, insurance always gives people the feeling of being unreliable because many things don’t know when they happen, so they don’t know that the explanation is like this.
For example, seat insurance, also known as car personnel liability insurance. When a vehicle has a traffic accident, the driver or passenger in the car has casualties, the insurance company needs to compensate the car personnel in accordance with the requirements of the insurance policy.
However, seat insurance clearly guarantees 10W for each seat, but most salesmen or information directly say 50W when promoting it, making people mistakenly think that if a person has an accident, they can also compensate 50W. In fact, the maximum compensation limit for a person is 10W. The 500,000 here is that if there is an accident in the whole car, there will be a maximum of 500,000.
Of course, it does not mean that all insurances have problems. A close contact in Shanghai said that he received a claim this time. But he also said that he would not buy this kind of product normally, but this wave of epidemic in Shanghai is too serious, so he thought about buying it, but he didn't expect it to be used.
What "pits" have you encountered when buying insurance? Welcome to tell us the pitfalls you encountered in the comment section
