If you are in a high school risk area, you can consider one. You have had close contact with patients in COVID-19, and the national health department requires centralized isolation, which meets the compensation standard of "isolation allowance insurance" and you can enjoy subsidies ranging from several hundred yuan every day. For example, you can get a subsidy of 6,000 yuan if you choose COVID-19 isolation allowance insurance covered by AVIC UNITA property insurance, 500 yuan/day guarantee and isolation 14 days, which can still be quite reduced.
If it is in a low-risk area, and the possibility of close contact with COVID-19 is relatively small, then it is ok not to buy it.
Most of them appear as a supplement to accident insurance.
The so-called isolation insurance refers to a new type of insurance product with characteristics. During the protection period, the insured is isolated due to the COVID-19 epidemic and can enjoy subsidies during the isolation period. At present, most of the "isolation insurance" on the market incorporate the isolation allowance for new crown pneumonia into health insurance or accident insurance products, mostly short-term insurance with a term of one year or less, which can be sold through the Internet. The main contents of compensation are: isolation, diagnosis and death, which is payment insurance (corresponding reimbursement insurance).
At present, "isolation insurance" is mainly sold through three channels, namely, insurance agent channel, insurance broker channel and third-party platform with cooperative relationship with insurance companies. Many isolation risks are often automatically pushed when you travel in the software or browse other pages. In addition, isolation insurance is actually a kind of isolation allowance in COVID-19, which mostly appears as a supplement to accident insurance, so it can also be purchased together with train tickets and plane tickets. At present, many insurance companies including Zhongan Insurance, Zhonghui Property Mutual Insurance Agency and Taiping Property Insurance have launched related products. However, some companies have removed the "isolation insurance" products launched earlier.
It is not easy to get the "isolation allowance"
"Only when the whole region or the whole city becomes a medium-high risk, or becomes a close contact, can claims be made. Under the current epidemic prevention policy, there are very few cases in which the whole city or the whole region has become a medium-high risk. " Gao Xiao, who bought isolation insurance, said that not all products are what consumers think, and it is not so easy to get the "isolation allowance".
Looking up some isolation clauses, I found that there are many restrictions on claims. The "isolation" referred to in the "isolation insurance" is not necessarily the "isolation" understood by the public. If the product clearly stipulates that "the insured is required to be isolated at home" and "the insured has been isolated but has not paid the isolation fee at his own expense", he will not be responsible for paying the insurance money. Moreover, sub-close connection is generally not guaranteed, and insurance only covers close connection and isolation in medium and high risk areas. Other products require that the insured must be in a low-risk area, and at the same time, he must not take the initiative to go to a medium-high risk area for personal reasons, otherwise he will refuse to pay compensation. In addition, there are more detailed terms and requirements for whether there is isolation caused by taking transportation, or home isolation and centralized isolation.
Pay attention to specific details when buying.
In terms of regulating publicity and sales behavior, the Notice requires insurance companies not to make misleading publicity or explanation on important information such as insurance products' protection responsibilities by deception, concealment or inducement, and not to make one-sided publicity and malicious speculation for the purpose of gaining consumers' attention.
In terms of defining insurance liability, the Notice requires insurance companies to fully fulfill their obligation of explanation in the process of product sales, fully explain the insurance liability, liability exemption and claim settlement conditions, and make tips and explanations on the provisions of laws and regulations exempting insurers from liability that can attract the attention of policyholders.
Is "isolation insurance" worth buying? Industry insiders suggest that doctors, cold chain workers, international flight attendants and high-risk people who travel frequently can buy one. However, when purchasing this kind of insurance, consumers should pay special attention to the specific rules of each company, find out the key issues such as "what to protect, what not to protect, and the way of claim settlement", and make rational choices according to their own needs.
As the CBRC prohibits insurance companies from developing COVID-19 single liability insurance products, the "isolation insurance" in the market is actually to incorporate the isolation allowance for new crown pneumonia into health insurance or accident insurance products. The target customers of "isolation insurance" are mainly catering industry, business people who travel frequently and other customers with high exposure risk. Ni Luowei reminds everyone that before buying insurance, you must first read the terms of the claim, and the most important thing is to see the object of payment. "Most products only pay for centralized isolation personnel, and home isolation is not covered." Home isolation can also pay isolation insurance. For example, Fosun United Love You Worry can pay 200 yuan/day for up to 30 days, but it does not include home health monitoring.
In addition, the exemption clause should also be read carefully. Many exemption clauses of isolation insurance in COVID-19 include "centralized isolation or home isolation for those who return from non-medium-high-risk areas or closed management areas in the whole city", for example, most of them will not be paid for compulsory isolation after returning home. In addition, people who are notified of compulsory isolation or identified as medium and high risk areas will not be paid.
Legal basis:
People's Republic of China (PRC) insurance law
Thirtieth the following medical expenses are not included in the basic medical insurance fund payment scope:
(a) shall be paid by the industrial injury insurance fund;
(2) It shall be borne by a third party;
(three) shall be borne by public health;
(4) Go abroad for medical treatment.
Medical expenses that should be borne by a third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party.
Thirty-first social insurance agencies may, according to the needs of management services, sign service agreements with medical institutions and pharmaceutical business units to standardize medical service behavior.
Medical institutions shall provide reasonable and necessary medical services for the insured.
Thirty-second individuals across the overall regional employment, the basic medical insurance relationship with my transfer, the cumulative payment period.