Hello~ I am Cicy
Recently, the epidemic in Chengdu has been fierce. Many friends have purchased Fosun and 43 yuan Aiwuyou accident insurance. Under what circumstances can you apply for the quarantine allowance? I will explain the terms today.
1. Can I pay for it and how to pay it? Everything depends on the agreement on the insurance terms
Epidemic isolation allowance is defined as a special agreement in "Fosun United Love and Worry Accidental Injury Insurance".
and the epidemic-related quarantine allowance, diagnosis allowance and death benefit for new coronavirus pneumonia are mainly discussed in the first two.
1) Mandatory isolation allowance
First point, effective time , 2 days after the purchase of insurance takes effect
, someone purchases it on November 1, the policy will take effect at 0:00 on November 2, and the isolation allowance will take effect at 0:00 on November 4.
Second point, Insured person is forced to isolate one of the following situations:
Situation 1, the place of residence or workplace is determined by the state as a medium- and high-risk area by the state; + local epidemic prevention department is forced to isolate;
3 Situation 2: Close contacts of patients who have been tracked as confirmed or suspected of COVID-19 + local epidemic prevention departments are compulsory isolation;
What is prone to doubt here is the situation of home isolation.
Co-local home isolation is easy to be "stupid and can't tell". Home health monitoring. Disease control experts point out that the core of home health monitoring is not going out unless necessary, which does not meet the mandatory isolation.
The requirement for home isolation is to live alone under the guidance of community medical staff and cannot go out. This satisfies mandatory isolation.
2) The effective time of the confirmed COVID-19 allowance
Confirmation allowance 5 days after the insurance contract takes effect,
One person purchased it on November 1, and the policy will take effect at 0:00 on November 2, and the confirmed allowance will take effect at 0:00 on November 6.
3) Under which circumstances cannot be compensated
0 cannot be compensated and depends on the disclaimer in the agreement.
summarized as:
① Before the contract takes effect, the community where it is located has been designated as a medium- and high-risk area or is required to be fully closed management.
Some peers here believe that the entire Chengdu has been divided into medium- and high-risk areas. It should be noted that this statement is unscientific. The division of medium- and high-risks is currently refined to the community where it is located.
does not belong to medium and high risk. I recommend a mini program to you to find out by checking it. The national government service platform
② does not comply with epidemic prevention regulations 5 to medium and high risk areas known as .
③ Before the contract came into effect, had been diagnosed or suspected of infection, and was still in medical isolation or observation.
④ Because returns home or visits relatives , they are required to isolate (such as visiting relatives during the Spring Festival).
or above, the condition for to obtain the isolation allowance is that the time limit must not be confirmed (suspected) before taking effect + it is a medium- and high-risk community (or close contact) during the quarantine period + it has been forced to be isolated by the epidemic prevention department.
2. If you make a claim, what information you need to prepare
summary is, the application form (provided by the insurance company) + identity certificate + mandatory quarantine-related documents + proof of quarantine during the quarantine period.
So how to get the forced isolation file? After being released from quarantine, you can go to the community to handle it. It should be noted that the quarantine certificate must reflect personal identity information and residence address and stamp it.How to report and claim
? can call Fosun United's national service hotline 4006-11-7777 to report the case, or apply for claims through Fosun United's official Weibo account (service center-service hall-insurance service-apply for claims)
3. Is this product difficult to compensate?
has analyzed so much before, and it is not like some friends who think that you can compensate by isolating it, but with restrictions. Is this one difficult to compensate?
is not. After we combined the common isolation allowance insurance on the market, we found that this claim is the loosest.
Take the "New Coronavirus Quarantine Subsidy Insurance" on the Alipay Ant Insurance platform as an example. The condition for starting claims is that the passenger identity + close contact + self-paid isolation.
The final specific claim depends on whether the individual's actual situation meets the claims conditions and the insurance company's judgment . Friends who have purchased it don't have to worry. There will be Cicy assistance in the future.
At the same time, in addition to providing corresponding protections during the epidemic, Aiwuyou should not forget that it is also an accident insurance, and it also has the protection of accidental death/disability/sudden death within 1 year.
4. Which groups of people can buy Fosun Aiwuyou?
In addition to meeting health notification inquiries when taking out insurance, Aiwuyou only allows people of 1-3 occupations to purchase, among which housewives/police/unemployed/retired personnel, etc. cannot be purchased.
In addition to the previous compensation situation, the people who can buy currently need to meet the needs of meeting the green code + low-risk community + has not been isolated yet.
written at the end
In the past two years, many industries have been reshuffled, and everyone's life and work have been affected to varying degrees. I sincerely hope that the epidemic can pass earlier. Although
insurance cannot prevent the occurrence of risks, it can alleviate some of the economic losses after the occurrence of risks.
When we don’t have enough money, we need to use tools to leverage the money, which can be triggered under specific conditions, and insurance is such a tool.
Finally, I wish you all peace~ Thank you for your hard work~~
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