The design principle of property insurance is "damage compensation". The industry said that COVID-19 has become influenza, and claims should not be made even if it is mild or asymptomatic (data photo)

[Reporter Wang Menglun/Taipei Report] According to the statistics of the Financial Supervisory Commission, the annual "epidemic prevention double insurance" (epidemic prevention insurance plus vaccine insurance) claims will be as high as 211.64 billion yuan in 2022. Calculated by the number of days, the average daily (including holidays) will cost 580 million yuan Yuan.

The industry complained bitterly. At present, most of the Wuhan pneumonia COVID-19 is mild or asymptomatic, and they can still receive insurance premiums, which is a violation of the "principle of compensation for damages." They call on the government to compare other countries as soon as possible to exclude COVID-19 from the statutory infectious diseases outside.

　The Japanese government has planned to downgrade COVID-19 to the same level as influenza in April, and cancel the indoor mask order; my country also has related plans. The Central Epidemic Command Center intends to downgrade (downgrade) the new crown pneumonia after the Spring Festival, and is actively evaluating middle.

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　However, the insurer stated that, for example, COVID-19 was originally a category 5 statutory infectious disease, and the full amount of compensation was paid. If the contract terms "provide otherwise", only 10% of the claim amount will be paid if it is reduced to category 4. Therefore, if the insurance The amount is 50,000 yuan, and the claim is reduced to 5,000 yuan.

　In other words, even if downgraded, not all anti-epidemic insurance policies in the property insurance industry have the so-called "downgrade clause" mechanism; especially, last year alone, property insurance companies lost more than 210 billion yuan, and some of them have voluntarily reported to the government High-level officials have expressed the hope that the government can come to the rescue, and that the compensation conditions return to the spirit of the contract, that is, the diagnosis must be severe before the claim can be obtained.

　In this regard, the director of the property insurance industry emphasized that as the epidemic gradually slows down, Chinese people slowly return to self-health management. COVID-19 has become a flu, but the epidemic prevention insurance policy still pays claims in comparison with severe diseases; he emphasized that the design principle of property insurance is " Compensation for the damage.” After the current diagnosis of new coronary pneumonia, most of them are mild or asymptomatic, but tens of thousands of yuan in compensation for moderate and severe diseases are still paid to the confirmed insured households. “This is completely unreasonable!”

　The industry said bluntly, how much capital does the domestic property insurance company still have to support it?

In particular, the central government must quickly step on the brakes, adjust the content of epidemic prevention policies, and vigorously assist property insurance companies that are in business difficulties.

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