Repeated epidemics have always made us feel uneasy, and the policies in various places are also strictly managed, and in order to ensure the safety of our lives, isolation is a good way to prevent it. However, this will have a certain impact on our normal life and work.
Therefore, many platforms have launched isolation insurance, especially the recent Internet celebrity isolation insurance is very hot. But how to buy isolation insurance, this can be noted.
How to buy quarantine insurance?
We can also buy it on the official website of the insurance company or on the third-party insurance brokerage platform, such as Daddy Insurance, Wise Choice, Small Umbrella Insurance and so on.
However, here to remind everyone, before applying for insurance, you must not be confused by the home page of only a few words, the following points are very easy for us to step on the thunder, it is recommended that you read and then vote.
[1] The reason for isolation is not eligible: From the perspective of mainstream isolation insurance, only the place of work, residence, travel route or destination is classified as a medium and high-risk area, or is traced as a close connection between confirmed or suspected patients, and can be forced to isolate to receive allowances.
If it is only a sub-connection, or if it is isolated simply because of the red and yellow code, the insurance company may refuse the policy. It is also often stipulated that those isolated solely for local policy measures cannot be compensated. For example, if you return home for the New Year and are forced to quarantine when you arrive home, it is usually not enough to meet the conditions for payment.
For example, the national epidemic of Zhonghui mutual benefit is clearly limited to the existence of close contact on planes, trains, ships, and cars to be isolated, but if we are isolated in close contact in public places, we will not pay compensation! Close contact on the subway is isolated, and can not be compensated!
[2] Isolation location does not meet the conditions: some isolation insurance is not indemnified for home isolation, such as ZhongAn's new crown isolation allowance accident insurance, which can only be guaranteed in the centralized isolation observation in the designated place, and the opportunities we can use are much less.
However, most of them will still be marked on the home page to be able to pay for home isolation, but the home isolation here is very different from the home isolation we think, which can be seen in the next article.
[3] The definition of home isolation has strong limitations: home isolation is not what we imagine to be at home, and it is enough not to let go out. In short, the "isolation" in our minds and the "isolation" in the insurance contract are completely different. Moreover, the definition of "isolation" is different between different products.
For example, it is necessary to confirm the diagnosis of the person or be forced to isolate the close connection, pay attention to the compulsory, do not count at home, and need to be sealed at home.
[4] Do not pay attention to the insurance threshold: Many people can't help but want to apply for insurance when they see that there is isolation insurance, but they do not have a careful understanding of the threshold for insurance, such as getting sick before applying for insurance or have become close and isolated, and cannot be bought, such as those who have been in medium and high-risk areas. In addition, there may be restrictions on various occupations or special areas.
Therefore, everyone must carefully read the terms before applying for insurance, rather than seeing the terms of isolation, low premium, and high sum insured, otherwise the word game here will make us helpless when settling claims.
In general, the insurance threshold is low, and the claim limit is mostly a common problem of isolation insurance. However, for these isolation insurance, we can not be one-size-fits-all, there are still some relatively good products, which can indeed provide us with certain protection. It is best to make a rational choice after comparing multiple products and carefully reading the terms.