#春日生活打卡季#
#复旦研究生珠峰地区登山死亡#
A trip to Mount Everest that was supposed to be magnificent ended in tragedy.
Lu Wen, a 26-year-old graduate student at Fudan University, a young man full of vitality and ambition, died at the foot of Mount Everest.
Insurance, insurance, life-saving dangers!
26-year-old Fudan graduate student died climbing Mount Everest: the insurance company refused to rescue many times, and the 8 coverage area does not include Nepal
A trip to Mount Everest that was supposed to be magnificent ended in tragedy. Lu Wen, a 26-year-old graduate student at Fudan University, a young man full of vitality and ambition, died at the foot of Mount Everest. This tragic incident has sparked questions and accusations against the insurance company.
The father's helpless cry
On February 3, Lu Wen happily set off for Nepal's Everest region, where he purchased travel insurance in advance and sent a screenshot of the policy to his father to say "you can rest assured". However, when the accident happened, the indifference and prevarication of the insurance company made Ruwen's father feel extremely helpless.
The awakening behind the scheming
On the side of the road 900 meters away from the hotel, Lu Wen suddenly had a high reaction and other situations, but fortunately he was able to return to the hotel with the help of enthusiastic travelers. However, the next night, Ruwen's condition took a turn for the worse and he needed urgent help. However, the insurance company has repeatedly refused to provide assistance, saying that the products they have purchased do not cover Nepal.
Death of the insurance contract
When Leuven's father checked the insurance policy, he realized that the insurance he had purchased only covered "Asia (except Nepal)". The insurance company took advantage of the ambiguity and ambiguity in the terms and refused to assume its due rescue obligations. This kind of specious and word-playing technique is really despicable.
Why so indifferent
Lu Wen's death caused indignation from all walks of life. Isn't it a blasphemy against humanity for a lively young man to lose his life and an insurance company to sit idly by at a critical moment?
Netizens are hotly discussed
Isn't it a scam if it doesn't show it before it is purchased, but it only shows it after the purchase?
When I went to Nepal at the end of last year to buy insurance, I noticed that some insurance companies do not include Nepal, and I have been looking for Allianz for a long time to buy travel insurance, which includes Nepal.
No insurance company will protect the climb of Mount Everest, and it is not stupid, the probability of insurance is estimated to be 100%.
The insurance company is hateful, but the three hours between 1:30 p.m. and 4:30 p.m. on the 13th were really delayed by the parents themselves. If there is no open bank nearby, you can call the bank's customer service to ask where there is an open bank, or you can ask if you can open an online bank for overseas remittance, and then you can find relatives and friends to borrow a foreign exchange account to remit money, and timely settle to relatives and friends at the exchange rate or RMB higher than the exchange rate. In case of emergency, relatives and friends will generally help. Why do you have to pay in advance from the insurance company?
The deceased is gone, but when he flew to Nepal, he received the electronic file, and he didn't read it after landing?
Before buying insurance, it must be written in the terms that Nepal is not included, don't think about it, you didn't read it carefully At the same time, parents are kidnapped by morality, why should others believe you and pay you in advance? Human life is at stake, and I don't think of a way yet
The insurance company has sent the official text document to the hands of the insurer before the insurance period takes effect on February 4, and the picture sent behind is obviously the insurance company's online propaganda page, not a text file, and it is impossible for the insurer to sign the contract without looking at the text document, let alone a graduate student
Whether Nepal is included or not is probably not the most important clause, right? Doesn't this AIG insurance have a high-risk sports and entertainment exclusion? Travel insurance purchased abroad excludes high-risk behaviors such as surfing, bungee jumping, and climbing peaks.
Keep talking about insurance, is insurance your courage to climb?
On Mount Everest, you are not traveling, it is an adventure, and the insurance company does not pay for it. The insurance for going to Mount Everest must be purchased separately, and it must meet a lot of equipment and service personnel, otherwise it will be sent to death.
I don't know everything, I don't know the truth, and I don't make judgments in vain. But as an adult, first, you must have the necessary common sense for the expedition and do not rush to it; second, you must have emergency measures to deal with emergencies, and if you are uncomfortable for a long time, you will miss the best opportunity; third, you should not blame others and shirk your own responsibility. May you go!
There are several doubts. First, every big bank in a big city has a bank on duty during the Chinese New Year, and not all of them will rest at the same time. Second, mobile banking and online banking can be used to exchange currency. Third, don't you ask if you buy insurance? It seems that insurance is not included in special areas and needs to be bought separately. Going to Nepal to climb the Himalayas is a high-risk sport, and it is also an aristocratic sport that is very expensive, and it cannot be sold miserably because of college students
Inquiries about insurance liability
We should think about whether a travel insurance policy can really guarantee the safety of the insured, whether the insurance liability should be more clearly expressed in the contract, and whether we should pay more attention to the quality of the service provided by the insurance company, and whether they really fulfill the promise of "protection"?
Behind this grief, we urgently need to call for a fair and just voice. Insurers should be clear and unambiguous about coverage when selling products, rather than passing the buck to victims. The original intention of insurance is to protect the rights and interests of every insured, not to become a tool of interest groups.
epilogue
Reuven's departure is a wake-up call that we cannot afford to let tragedy happen again. For insurance companies, it is their obligation to correctly fulfill their insurance responsibilities and provide timely and effective rescue. For each of us, insurance is not only a contract, but also a prevention and protection against unknown risks. It is hoped that through this incident, more attention and thinking about the insurance system can be aroused. Let's work together to create a fairer and more transparent insurance environment, so that every insurer can get the security they deserve.
The top of Mount Everest, which is desirable, has attracted too many explorers, and how many people are buried here!