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Recently, Xiaochai received a diesel revelation
The diesel is indicated
Bad luck on my part, COVID was confirmed
He is currently being treated in isolation in hospital
But what makes people infuriating is
Just as I was lying in my hospital bed
The insurance company has a moth...
What's going on?
The diesel joined a company with team health insurance in February
This is what everyone calls high-end medical insurance
The group insurance provider is one of the largest international expatriate insurance service providers
MSH CHINA
Follow the process
Employees join the company
You need to submit your and your family's information within the prescribed time limit
Insurance companies review information
The whole process is 1 month in the case of policy
It is worth noting here
According to the information provided by this diesel
Although the entire review process has a specified time
However, the duration of the insurance (effective period)
Is a retrospective to the date of entry
So no matter how long the insurance company audits
None of them affect the protection of employees
And group insurance
All employees are required to be insured
There is no case where the insurance company does not agree
According to diesel
I submitted my documents in early March
Insurance companies have also entered the confirmation,
The stage of reviewing the information
After I was diagnosed with covid-19 in mid-March
The insurance company was immediately informed
But the next day I received a notice from the insurance company
The material review was terminated directly
Rejected my application to join team insurance
And insurance companies are making new demands
"Reapply after covid-19"
Meanwhile diesel is indicated
The insurance company recognized him within the stipulated time
Submissions were submitted
However, according to the screenshot of the email content provided by Diesel
There is such a sentence
"An application for insuring is filed during the normal time of the onboarding date
Failed to pass the insurance company's audit due to the new crown problem"
Emphasis needs to be drawn here
According to this diesel
The effective date of the insurance is retroactive to the date of employment
That is, about the time when the diesel was diagnosed with the new crown
After onboarding
Therefore, it is covered by insurance
But the point is
Diesel questioned that insurers not only didn't want to settle claims
It is also a normal insurance application that was directly rejected
And ask for a new submission after the new crown heals
Because once the insurance application is successful
The effective date is retroactive to the date of entry
There is no reason why insurers need to deliver on their promises
The diesel is in question raised here
If the condition is cured after the application
Obviously past the notice period in the insurance terms
Will the insurance take effect from the time of entry?
Screenshots of the mail provided according to Diesel
The insurance company replied:
The effective date will be in accordance with the provision of health notices,
The time of the new crown discharge summary and other materials is calculated
There is also a premise here
The insurance company must be audited before it can be added
Complications are also reviewed
If there is
Then the follow-up costs caused by this complication will become a pre-existing disease
The diesel said:
"What I don't understand is that since I have rejected my application for insurance
Why do you ask me to submit an application after I am cured and released from isolation?"
"When the insurance company is in the insured
When insurance is most needed
When you use rules that work in your favor to avoid responsibility
Don't forget to make another profit after you are cured
This abacus is also too refined."
As of now
The insurer has not yet responded otherwise to the matter
Xiaochai through complaint platforms and social media platforms
Retrieve the findings
Complaints about MSH CHINA's refusal to settle claims
Occasionally
Although the diesel situation is more special
But what happened to them is by no means unique
Especially since the outbreak of COVID-19
All kinds of Internet celebrity isolation insurance and confirmed insurance are difficult to pay
It has become a new social problem
Then today Xiaochai also suffered from this diesel
Pickpocket the new stage of the COVID-19 pandemic
All kinds of internet celebrity isolation insurance and new crown diagnosis insurance are hot
I hope that more diesel can avoid pitfalls as much as possible
meantime
I wish the above diesel to defeat the new crown virus as soon as possible
Early recovery
Get back to normal life
I also hope to communicate with the insurance company to come up with a good solution
Since the outbreak
It has seriously disrupted people's normal lives
Netizens also often sigh
Youth has a few years
The epidemic accounted for three years
Xiao Chai also often sighs with colleagues
After 20
Since the screaming to the ground, learning to toddlers
Then go to the academy
They came into this world
What a pathetic world to see
Quarantine from time to time
A life of fear
Even breathing air has to be separated by layers of cloth from birth
A 5-year-old boy is infected
Alone, he pulled his suitcase to quarantine
What a sad back
We wanted to open our mouths and tell them
How wonderful the world is
However, there is no way to say it
Because so far they can't really perceive
For adults who are breadwinners
These years have also been more difficult
Economic growth is slowing, layoffs, and stock market crashes are simultaneous
Unpredictable isolation
Diagnosis will randomly come to everyone
For example, the matter of brushing the screen today
Because of the fight against the epidemic, several girls living in Yanjiao
After returning to Yanjiao from Beijing
I can't go back to Yanjiao's home, and I can't return to Beijing
He was frozen overnight on the bridge between Yanjiao and Beijing
No one bothered
Helplessness in the face of natural disasters
Wages are suspended, and high quarantine fees are also paid
The demand for isolation insurance, confirmed diagnosis insurance, etc. has also become
Most people are a helpless choice to avoid danger
Become a kind of sustenance and guarantee
As a result, in the past two years, all kinds of Internet celebrity isolation insurance and confirmed diagnosis insurance
In response to demand, mushrooms sprung up
"Just $9.90"
"Segregation Lying Earn"
"You can receive 200 yuan for 1 day of isolation, and a cup of milk tea money is guaranteed for one year!"
"As long as 9.9 yuan, 150 yuan for one day of isolation"
"Quarantine one day subsidy 1000, lying to earn thousands of yuan"
"Monthly payment of 9.9 yuan guarantee up to 1 million yuan"
Advertisements began to penetrate in large areas in WeChat groups, grass planting communities, and social platforms
insurance company
Alipay and other Internet insurance sales platforms
Even OTA platforms
It is also vigorously promoted
There are even a large number of individual and various COVID-19 diagnosis risks
A low threshold of less than ten yuan, or tens of dollars
A few hundred dollars a day of high payouts
See such advantages
Purchasing an isolation insurance and confirmed diagnosis insurance has become the standard in the post-epidemic era
In the face of such a strong demand
Even insurance companies don't have to pay
Human sales like traditional insurance
Insurance companies and Internet insurance platforms
Also a short period of time to earn a lot of money
About COVID-19 insurance is more occupied
"Hot Selling Bits" and "Referral Bits" for Intermediary Websites and APPS
According to media statistics
Dozens of insurance companies have developed nearly 60 "quarantine insurances"
Since the fourth quarter of last year, the sales volume of "quarantine insurance" has increased significantly
The average number of insured pieces per month on a certain consignment sales platform even exceeds 10,000 pieces
But soon
These insurance companies, Internet platforms
The true color of capital harvesting is revealed
In the face of a new outbreak
Many people buy this guarantee to play its value
But many people said
The process is easy and you are only informed when you file a claim
Sub-close connection, non-self-payment, home isolation
Overseas repatriation and global control are not covered by the payment
Some netizens said:
The basically conceivable isolation has been ruled out, is such a risk meaningful?
Some users also said they were on October 26, 2021
Insured fosun joint health insurance "Love Worry-free accident insurance"
On October 27, he left for Chongqing
After returning on November 2, he was asked by the community to quarantine at the hotel
After the quarantine ended, he reported his claim, but received a denial notice
Told that he had refused to settle the claim because he had voluntarily traveled to a medium- and high-risk area
Complaints about the revival of joint quarantine insurance are also hardest hit areas
Outside of the above netizens
In February this year, some netizens complained
I bought Fosun United's quarantine insurance before
During the Chinese New Year, he was quarantined in a centralized manner and asked to stay at home
Advertisements are played out to be accompanied by home concentrations
Filing a claim asks me to provide proof again
Contact customer service to say that you also need proof of home isolation
This is a notification letter from the government, and there is also an official seal, can it still be forged?
The above is clearly written for 3 days of centralized isolation and 7 days of home closed loop!
Where is the letter of notification given by the government unclear?
But so far
About this complaint from netizens
The Coalition for Revival did not respond or deal with it in any way
Of course that's not all!
There are some confirmed insurance plans that are informed at the time of payment
The novel coronavirus pneumonia mentioned in the contract
Refers only to acute infectious pneumonia whose causative agent is the 2019 novel coronavirus
That is, the mutated strain is not covered by insurance
This is obviously a proper hooliganism
With the increased risk of isolation in a new outbreak
Complaints about quarantine insurance are also growing rapidly
According to media reports
Many consumers buy quarantine insurance
I didn't get a claim and ended up in the water
Industry insiders said
And in the face of tens of dollars in premiums
Very few users will go and compete with insurance companies
Not to mention that it is useless to be more real
If a lawsuit is filed
The whole cycle is less than half a year
Or a year or two longer
Who has such energy
And insurance companies take advantage of the psychology of users
A stroke is a stroke
Against such chaos
Earlier this year
The China Banking and Insurance Regulatory Commission issued the Emergency Notice on Regulating Issues Related to the Operation of the Insurance Business of "Isolation" Allowances
Insurance companies are required to correct their business philosophy
Based on the actual needs of insurance consumers
Develop products in accordance with laws and regulations
Reasonable setting of liability exclusions and claims settlement conditions
In the process of advertising sales
Deceptive, concealed, or induced, or otherwise
Make misleading publicity or explanations about important situations such as the protection liability of insurance products
But this also does not solve the problem at its root
The drama of insurance companies turning their faces and not recognizing people continues to play out
In this regard, the Beijing News also issued a comment
The "COVID-19 quarantine insurance" is likely to be the epidemic period
A tool that some people use to "cut leeks"
And appeal
Don't let "quarantine insurance" become a tool to "take advantage of the epidemic to accumulate wealth"
Thankfully, though
This capital-led drama of wealth collection is afraid that it will come to an end
Recently, perhaps many netizens have found out
The news that a number of "net red" isolation insurance products are about to be removed from the shelves
In the circle of friends of insurance sales personnel, the screen has been repeatedly swiped
It's worth noting, though
There are also many insiders who say
This may be the way insurance companies market
By way of time-limited sales
Reap reap more users
The suspension is just an excuse or a price adjustment
But what Xiao Chai wants to say
In the face of repeated epidemics
Products such as isolation insurance are undoubtedly a guarantee
But choosing insurance also has to polish your eyes
Prevent from being harvested
And now our lives are tough enough
I also hope that the insurance company can have a little more goodwill
Less routines
Mercy under the scythe
Money is never enough
But activate some hidden conscience
It will be much more at ease
Lead Writer | Small chai
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Chai Dogwski: The second anti-routine of the universe, the anti-flickering, the sickle crusher that reveals the truth about business and capital. He has won the title of "Most Influential" of NetEase, and won the "Best Organization Award" issued by the Shanghai Economic and Information Commission, and won the title of "Dark Horse Author of the Year" of Yiyi Information, and the articles have frequently won 10W+ on major platforms.