Source: Shangguan News, Red Star News, Nonghao Shanghai
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The news of "Fudan graduate student died in mountaineering in the Mount Everest area".
Attract online attention
It's unbelievable
The area covered by the insurance purchased before departure
Nepal is not included
On February 3, Lu Wen, a 26-year-old graduate student at Fudan University, packed his last luggage for a trip to Nepal's Mount Everest region.
At half past five in the afternoon, he sent a WeChat message to his father Lu Huaimin: Dad, don't worry, the travel insurance has also been bought.
Also sent was a screenshot of the insurance policy of "Meiya Le Travel Asia Travel Insurance (Asia Upgrade Plan)" purchased by Lu Wen on Alipay.
But no one expected it
When Ruben was sitting on a plane to Nepal
An electronic copy of this policy
It was sent to Lu Wen's mobile phone
The column of "security area" reads impressively
"Asia (except Nepal)"
Poured 900 meters from the hotel
Enthusiastic travelers rescued him
Lu Huaimin said that his son was originally scheduled to officially start climbing the mountain on February 5, but due to weather and other factors, his son's trip began on February 6. However, on the afternoon of February 11, on the way back, Levin had an unexpected situation such as high reaction.
At a distance of 900 meters from the hotel, Levin slumped on the side of the road after sending a distress signal with a signal light above his head.
After being rescued by Mr. Huang and other enthusiastic travelers, Lu Wen returned to the hotel to rest. During this period, Mr. Huang and some enthusiastic travelers took turns to check on Lu Wen's situation many times.
- "In the evening I saw that although his face was a little puffy and his speech was weak, he was conscious. ”
- "He was in a relatively stable state, the communication was smooth, the consciousness was clear, we fed him some vegetable porridge, hot tea, and he also let us take the energy-replenishing powder he brought from his backpack to drink, and he ate okay for dinner that day. ”
The situation suddenly deteriorated
The insurance company refused to bail out
But by the evening of the 12th, Luwen's physical condition had taken a sharp turn for the worse.
"I saw him spread out his clothes, his hands were a little cold, and he spoke much slower than during the day. He told me that he had AIG insurance and gave me his father's phone number and his passport number. ”
After several setbacks, Mr. Huang contacted the insurance company and asked the insurance company to arrange a helicopter rescue, but the insurance company refused on the grounds that the coverage area did not include Nepal.
When the other person replied,
Among the products purchased by Leuven
It does not include the rescue of Nepal
I'm confused."
Mr. Huang did not have time to argue with the other party, and proposed to arrange a helicopter rescue first, but the insurance company refused.
"In the end, I asked them to provide it directly
Helicopter rescue company phone
You can pay for it, it's important to save people"
On the 13th, Lu Huaimin, Lu Wen's father, received a call from Meiya Company, saying that Lu Wen's insurance did not cover emergency rescue.
"They asked me to transfer dollars to their company's account. It was the fourth day of the Lunar New Year, and the nearby banks were closed early, and I didn't have a foreign currency account, so I didn't know where to send them money. ”
Lu Huaimin hopes that the insurance company will pay the expenses in advance and find a way to remit the money himself.
Later, Meiya called again and said that Luwen's insurance did not cover Nepal. "The child has also bought your (Meiya Company's) insurance, (Nepal) is not insured but is also your customer, I hope to pay in advance, save people first, and then talk about it, and I will definitely not pay the debt. ”
But Meiya still refused, saying that it could only help contact the helicopter rescue company.
Later, Lu Huaimin tried to communicate with the helicopter company through WeChat, but to no avail. In the end, he found a friend who knew English to help communicate, and the staff of the helicopter rescue company said that Lu Huaimin would pay the money before the plane took off.
Lu Huaimin kept begging the other party on the phone to save people first and find a way to send money over. The stalemate lasted until 16:29 on the 13th, and the helicopter finally took off.
By the time the helicopter arrived in Ruwen's area, the mountain had fogged up, and the helicopter could not land, so it had to return the next day.
At around 0:30 local time on February 14, Ruben died. At 7:30 a.m. on the 15th, a helicopter arrived at the hotel and transported Ruwen's body down the mountain.
Lu Huaimin said
My son had already done it twice before
Trekking and mountaineering experience in Nepal
I also went to Tibet once for trekking
So the son chose to go again
Mountaineering trip to Everest Base Camp in Nepal
(EBC Route)
I also respect my son's hobbies
I didn't expect this to be a journey of death
Exclusion by insurance company:
Nepal is not included in the insurance area
Lu Huaimin said that his son has the habit of buying insurance before every trip. I quickly opened the app where my son bought the insurance, and checked it carefully, and there was indeed no reminder on the page that Nepal was not covered by insurance, but emphasized 24-hour emergency assistance. ”
After his son's death, when he checked the specific content of the insurance policy on his son's mobile phone, he found that the "coverage area" column in the policy read: Asia (except Nepal).
Why does this important information not appear on the homepage of the product introduction? The customer service staff replied to the reporter: "At present, the product introduction cannot be fully displayed, and the policy coverage area is listed without Nepal after purchase, and the policy will be listed after purchase." ”
What's even more puzzling is the introduction of the same insurance program of "Meiya Le Travel Asia Travel Insurance (Asia Upgrade Plan)", which can be seen in the introduction of the coverage area when purchased on other platforms (WeChat/Ctrip), indicating that Nepal is not in the coverage area.
For the families of the victims
It was an unspeakable grief
Recalling the last time he saw his son, Lu Huaimin couldn't cry:
"I saw that there were tears in the corners of my son's eyes, and I wanted to help him wipe them off, but I couldn't wipe off his tears with a whole bottle of mineral water. He was only 26 years old, and he didn't know until he died, the reason why he was not rescued in time was that there was a problem with the insurance, and I knew that he was unwilling to leave like this!"
In the insurance purchased by Leuven
Nepal is not included in the coverage area
It was my own negligence
I still know it, but I am lucky
There is no way to know now
Many netizens are excellent for this one
The death of Fudan graduate students is regretted
May the departed rest in peace
There are also those who think
It was delayed for too long after the accident
From this tragedy
Everyone should also learn a lesson -
Before purchasing an insurance product
Be sure to study the rules of insurance carefully
Avoid having no way to turn for help after an accident happens
Mount Everest is the highest peak in the world
It is extremely difficult and dangerous to climb
Over the past few decades
Countless climbers have conquered this mountain
It took a lot of effort and sacrifice
According to public information, due to the trekking route of Nepal's Everest base camp, the altitude will soon rise to more than 4,000 meters, and basically there will be about 8 days at an altitude of 4,400 meters to 5,200 meters, and the highest point will reach 5,600 meters, so it is a very big challenge for trekkers, and if there is bad weather conditions such as heavy snow, it will increase the danger of hiking.
According to incomplete statistics from the British media, the mortality rate of human climbers of Mount Everest once dropped from about 4% to less than 1%, but the mortality rate has increased in the past two years. In 2019, a total of 11 people were killed while climbing Mount Everest, the highest number in recent years. Avalanches are the leading cause of death, accounting for 41.6% of all deaths, along with exhaustion, falls from cliffs and acute altitude sickness also contributing to many climbers' deaths.
Mountain climbing
It's not a simple challenge
Scientific and professional guidance and guarantee are more needed
In this event
Is the insurance company liable?
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