Since the staff at Nanjing Lukou Airport found positive on the 20th, related infections have appeared in many provinces including Guangdong, Henan, Hunan, Beijing, Hubei, Sichuan and other provinces. According to official reports, the source of this epidemic is the new coronaviru

Since Nanjing Lukou Airport staff tested positive on the 20th, related infections have appeared in many provinces including Guangdong, Henan, Hunan, Beijing, Hubei, Sichuan and other provinces. According to official reports, the source of this epidemic is the new coronavirus mutant virus "Delta". Currently, various places have launched corresponding epidemic prevention measures to address the new crown epidemic.

In the past two days, Teacher Tang saw a mother in a group mentioning the "new crown isolation allowance insurance". So I specially studied this insurance and found some tricks in this insurance. Let’s share it with you below.

Currently, this insurance can be insured in Taobao. The underwriting company is Zhongan Insurance Company, and the name of the insurance is "Crown Isolation Allowance Insurance". The protection responsibilities are: 1,000 yuan per day for the COVID-19 isolation allowance, 3.2 million yuan for accidental death, 500,000 yuan for accidental death, 100,000 yuan for accidental death, and 100,000 yuan for accidental death, and the insurance amount is only 50 yuan. At first glance, the insurance coverage is pretty good. If you really unfortunately get the new crown, there is still a subsidy of 1,000 yuan per day, and the key is that it is only 50 yuan cheaper. But when I looked at the terms carefully, I still found the tricks of this insurance.

. Article 4 of the insurance instructions clearly requires that the insured be a natural person who is 14 days to 100 years old as a passenger on the operating tool . Please see that you must require a operating tool, which means that if you don’t take a operating tool, you will not be compensated if you don’t take a new crown.

. Article 9 of the Insurance Instructions clearly states that the insurance period of this insurance is 30 days . You are not mistaken about the new crown. There is only a 30-day coverage period.

3. When looking at the insurance terms of this product, I found that this product is actually a passenger accident injury insurance clause for operating transportation vehicles (2018 edition), and what is really protected by the new crown is the additional statutory infectious disease extension quarantine allowance insurance. In other words, this insurance is actually a bundled insurance composed of two insurances. The only thing that guarantees the new crown is this additional insurance. Therefore, it is not difficult to explain the requirement that the insured must take the operating tool. Moreover, the operation insurance has a coverage period of only 180 days, and only protects three means of transportation, namely aircraft, trains, and cars. It’s strange that ships are not a means of operational transportation?

4. In the third part of the insurance clause, Article 5 of the insurance liability for additional insurance clauses, there is a paragraph on the compensation for allowances. "If the insured person needs to be centrally isolated and pay the isolation fee at his own expense within the insurance period or within a certain period after the insurance period ends, the insured person requires centralized isolation and pay the isolation fee at his own expense according to the daily isolation allowance agreed in this additional insurance contract. "It is not what everyone thinks that as long as you take the operating tool and get the new crown, you must apply for this isolation allowance according to the contract. It is clear that home isolation does not count in the disclaimer. So there are still many conditions to get this isolation allowance.

Here, Teacher Tang helps you briefly sort out the conditions for getting this isolation allowance.

Insured must ride operating tools (aircraft, train, car) with confirmed cases of COVID-19 and then be notified by the relevant national health administrative departments at or above the provincial level to require several types of isolation and pay the quarantine fees at their own expense before applying for this COVID-19 isolation allowance, and the cumulative period is up to 16 days.

Teacher Tang also checked the current standards for self-paid isolation on Baidu. Since the standards in major cities are different, the standard is about 650 yuan/day, including three meals a day. In this way, I only get 350 yuan per day. Of course, this is just the data found on the Internet. The specific situation depends on local standards. After all, Teacher Tang has never stayed in an isolated hotel and does not want to stay in this hotel.At present, trains and planes in many provinces have been suspended. I believe that everyone will not choose to take these means of transportation unless necessary. In Wuhan, if you want to take public transportation, you must hold a green code to pass. Therefore, if you want to take the operating tool and be infected with the new crown, you can calculate the probability yourself.

Also, this insurance only guarantees that if you die or be disabled by three operating tools, namely airplane, train and car, the coverage period is only 180 days. So do you think this new crown isolation allowance insurance worth 50 yuan is worth buying?

The weather is hot, and I would like to express my gratitude to all the staff who are struggling on the front line of epidemic prevention! Please do not go out unless necessary, wash your hands frequently, keep ventilation more, gather less, and do not cause trouble to epidemic prevention. Abide by relevant local policies and actively cooperate with epidemic prevention.

I am a publicityist in the insurance industry and a popularizer of insurance knowledge. My original intention is to help everyone popularize relevant knowledge. If you think there are any errors in my analysis, please leave a message in the comment area to correct and share it.