The various COVID-19 epidemic prevention insurances in China have been withdrawn from the shelves in recent days for fear of heavy losses.

(Reuters)

[Central News Agency] China has implemented 10 new measures to optimize epidemic prevention. After coexisting with the virus, the number of infected people has increased significantly.

According to Lu media reports, the various COVID-19 epidemic prevention insurances have been withdrawn from the shelves in recent days because of the fear of disastrous losses; many consumers complained that the insurance companies refused to pay for asymptomatic infections.

Based on reports from Acorn Business and Jiemian News, after the new 10 roads were put on the road on the 7th, coexistence with the virus became a reality, and a large number of rapid test positives appeared in Beijing, Shanghai, Guangzhou and other places.

At the same time, the epidemic prevention insurance, diagnosis insurance, and isolation insurance that were once sold in mainland China were also urgently removed from the shelves. Some insurance companies said that if they did not remove the shelves, they would be "lost."

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The report pointed out that JD Health's "New Crown Epidemic Prevention Health Insurance" was removed from the shelves due to the adjustment of the prevention and control policy on the 8th.

The next day, the anti-epidemic insurance for the Meituan APP underwritten by China Continent Insurance "9.9 yuan for peace of mind, and compensation for nucleic acid positive" was also taken off the shelves.

The insurance originally claimed that the diagnosis included asymptomatic claims of 1,500 yuan (about NT$6,600), and the insurance period was 3 natural months.

In addition, Huatai's "New Crown Epidemic Protection Insurance" and Zijin Insurance's new "Coronavirus Epidemic Insurance" have been removed from the online platform. pneumonia, the insurer is only responsible for payment when the insured is diagnosed as "severe" or "critical", and "asymptomatic", "light" and "common" are not covered.

After the recent surge in positive tests in China, many people found it difficult to apply for compensation, which led to a large number of complaints.

On the black cat complaint platform, 25-year-old Xiaoshi said that he bought Alipay's "travel insurance" in February this year, and agreed to pay 10,000 yuan for the diagnosis.

On October 4, Xiaoshi was diagnosed (asymptomatic) in Nanjing Second Hospital.

After applying for a claim, I was told that according to the "Diagnosis and Treatment Plan for Novel Coronavirus Pneumonia (Trial Ninth Edition)", Xiaoshi is asymptomatic and does not belong to "mild, common, or severe cases", so the claim will not be accepted.

The report pointed out that, including "travel insurance", many diagnosis insurances will be specified in the contract. According to the "Ninth Edition" regulations, only "light, common, and severe diseases" will be paid, and asymptomatic will not be paid.

However, many insured people ignore this point when purchasing and signing contracts.

Zhang Yu from Beijing bought Huatai Insurance's "New Crown Epidemic Protection Insurance" in November. He said that he saw the words "New Coronavirus Pneumonia Diagnosis Subsidy 500 Yuan" written on the promotional materials when he bought it, and he bought it directly without carefully reading the contract.

In December, after Zhang Yu checked the contract, he found that the detailed rules stated that only compensation would be paid for "common, severe, and critical cases of the new coronavirus for the first time, and pneumonia can be seen in lung imaging examinations."

In other words, Huatai's "New Crown Epidemic Protection Insurance" is more stringent, not only does not pay for asymptomatic patients, but also does not pay for patients who have not caused pneumonia.

Ms. Li from Beijing purchased the epidemic isolation insurance launched by Zhongan Insurance on January 28 this year. The coverage period is until January 27, 2023. The liability of this insurance includes a diagnosis subsidy of 10,000 yuan.

Recently, due to the positive result of the rapid test, she dug out the insurance and wanted to apply for a claim, but found that it was not easy.

According to the insurance contract and customer service replies, the “diagnosis” in insurance requires not only a positive nucleic acid, but also a diagnosis certificate issued by a public hospital or shelter hospital at level two or above, as well as chest CT and blood tests.

Ms. Li said that when she was in the fever clinic of a tertiary hospital, when there were not many people, she did nucleic acid and obtained a diagnosis certificate, but the doctor refused to do CT and blood tests.

The report quoted Yang Zeyun, a teacher of the Finance Department of the School of Management of Beijing Union University, as saying that for insurance companies, due to the adjustment of the epidemic policy, the insurance company’s risk of paying insurance benefits has greatly increased, and it may suffer greater losses and a large number of lawsuits. ; Even if it is not removed from the shelves, the rate of its products should be adjusted.

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