Recently, the "human-to-human" phenomenon of learning gymnastics with Liu Qihong has rapidly swept through major social platforms. At the same time, it also led to a large wave of "Liu Qihong Girl" cloud fitness.
Topics such as "women's yellow body rupture after 3 consecutive days of shuttlecock exercise", "Hangzhou girl jumping and kick injury", "the first wave of Liu Qihong girls have been injured" and other topics have aroused heated discussion. Some netizens said: The end of excessive exercise may be orthopedics.
Jumped for 3 days in a row and the yellow body ruptured
From "Compendium of Materia Medica" to "Dragon Fist", star Liu Qihong quickly went out of the circle with his wife to live jump exercises, becoming a "national fitness coach" and setting off a home sports fever. But in the process of jumping exercises, people who do not have exercise habits can easily change from Liu Qihong girl to "injured girl".
Ms. Li, 26, told jimu news reporters that after being introduced by friends, she went to watch Liu Qihong's live fitness broadcast. "I didn't exercise at all before, didn't exercise. Yesterday I practiced a bit, basically can't keep up with his rhythm, and accidentally twisted my feet..." Ms. Chen, 35, said, "I have been dancing with Liu Qihong for 1 week, as long as I am fine, I will jump with him, but every time I jump, my body hurts." ”
There are also netizens on social platforms who have the same feeling ↓
According to media reports, Xiao Qian, a 24-year-old woman living in Wuhan, followed Liu Qihong to jump for 3 days, and there was a rupture of the yellow body, resulting in abdominal bleeding, and only after going to the hospital for treatment did she turn the corner.
According to media reports, a woman in Beijing sent a video saying that she followed Liu Qihong to jump exercises due to improper operation, and as a result, she jumped for three minutes and sent herself to the hospital, and was diagnosed by doctors as lumbar muscle strain, for which the woman shouted Liu Qihong girls to hang around, take your time, don't get hurt! Liu Qihong himself also left a message under the video: "Pay attention to safety! ”
Accident insurance and medical insurance can be paid
Xu Yuchen, a senior actuary, said that the accidental risks that arise during the fitness process, accident insurance and medical insurance can provide protection.
However, Xu Yuchen said that whether insurance can settle claims depends on whether the accident caused by fitness is an accident liability. In the terms of insurance, accidental injury refers to a sudden, unintentional, non-disease objective event that causes bodily harm as a direct and separate cause. For example, a fitness person does some normal movements and has a standardized movement when jumping exercises, but because of accidental accidents, it is an unexpected situation.
Overall, medical insurance and accident insurance can add a layer of protection to the "Liu Ruihong Girls". From the perspective of the reimbursement scope of most millions of medical insurance, it includes medical expenses, drug costs, medical expenses, bed fees, nursing fees, and examination fees arising from hospitalization. Xu Yuchen said: "The reimbursement amount of accident insurance accident medical treatment is usually 10,000, 20,000 or 50,000, which can cope with smaller accidents, but if there is a scald, burn, including the need for skin grafting, etc., it may need to be reimbursed through millions of medical insurance." ”
It is worth mentioning that some of the current accident insurance premiums only need to start at 3 yuan per month. Xu Yuchen said: "Accident insurance is not expensive, for adults, nearly 300 yuan of accident insurance, you can get 1 million insured amount of accidental death disability and 100,000 insured amount of accidental medical treatment." If you want 500,000 sum insured, the premium is discounted at about 150 yuan. Therefore, whether it is jumping exercises or traveling, the basic protection of accident insurance can be covered. ”
"High risk" actions or no compensation
Xu Yuchen suggested that in the process of jumping exercises, do not imitate dangerous movements, dangerous actions may often not meet the definition of accident, may be included in the exemption clause. For example, if the live broadcast indicates that "dangerous actions should not be imitated", then it means that doing this action will lead to an accident with a high probability, which cannot be said to be a sudden, external accidental injury. When purchasing additional medical insurance, consumers should meet the requirements of occupation and health, and similarly, dangerous actions should be avoided as much as possible.
"For fitness whites, although insurance is a solution, more people who still need fitness should prepare for the action, dangerous action, professional action, or do not do it if it is difficult to do it, because especially these dangerous actions may produce insurance claim disputes in unexpected events." Xu Yuchen added.
Although sports and fitness injuries, accident insurance can be paid, but after all, can only provide economic compensation after the fact, professional doctors told the Beijing Business Daily reporter that the mode of exercise and intensity should vary from person to person, for fitness people, it is particularly important to prepare for exercise, to be gradual, according to the ability, do not rush to achieve.
Source 丨Beijing Business Daily (reporter Chen Tingting Hu Yongxin), Litchi News, Jimu News
Image source 丨Yitu.com, Jimu news video screenshot, Sina Weibo @ Liu Qihong willliu video screenshot, Weibo screenshot, etc