Sources: All of the information stated in this article has reliable sources, which are repeated at the end of the article
Lu Wen, a graduate student at Fudan University, is a hiking enthusiast who has hiked once in Tibet and twice in Nepal.
On February 23 this year, 26-year-old Lu Wen began a new round of adventure, and in order to ensure his own safety, he also deliberately bought an insurance on Alipay.
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"AIL Travel Insurance Asia" (Asia Upgrade Plan) has insurance channels on many platforms, and it seems to be safe and reliable.
But the unexpected happened. At the foot of Mount Everest in Nepal, Lu Wen, who was waiting for rescue due to high anti-inflation and other conditions, did not understand until he died that he had made sufficient preparations and why the rescue had not arrived for a long time.
The tears flowing from the corners of his eyes left traces on the body, and Lu's father used a bottle of mineral water to wipe away his tears, which shows his despair at that time.
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What is the problem that caused the innocent death of the pillars of the motherland?
Unreliable insurance
Because of his concern, Lu Wen would buy an insurance policy every time he went out, and he would pass on the relevant content to his father, so that his father could contact the insurance company in time to ensure rescue.
This trip to Everest in Nepal was no exception, but at a critical moment, there was a problem with the insurance, and the "coverage area" read: Asia (except Nepal).
It's not uncommon to buy the wrong insurance, but Lu Wen is a graduate student at a prestigious university and has also had the experience of exploration, which is a matter of life and safety, will he be so sloppy?
Although Alipay, WeChat, and Ctrip can all purchase insurance called "Meiya Le Youyou Asia Travel Insurance", the content of the product introduction on each platform is different.
It would be more accurate to say that Alipay has different content introductions from the other two platforms, hiding key information.
After investigation by all parties, the reporter of Red Star News learned that the insurance placed on the Alipay platform did not indicate that it could not be used in Nepal on the online page introduction of the effective coverage area.
It's not that Ruben was careless and didn't see it, but that the product introduction was hidden.
At 2:55 a.m. on February 3-4, Ruben received an electronic version of the insurance during the flight, and it was only in this electronic version that it was noted that Nepal was not included in the effective area.
After landing, Lu Wen reported his safety to his father and told him that he would start climbing the mountain on the 5th.
However, due to the weather, he only started his journey on February 6. Weather is irreversible, and a day late doesn't make a difference.
On the afternoon of February 11, Ruben began his return journey, but on the way back, he had a high reaction and collapsed before he could return to the hotel.
Nearly a kilometer away from the hotel, at the moment of falling, Lu Wen sent out a distress signal......
He was fortunate to be found by a traveler and brought back to the hotel, and was taken care of by several Chinese travelers (Mr. Huang and others), although there was no problem with food and warmth, his condition gradually deteriorated from the first day to Shangke, his face was swollen, confused, and fatigued.
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Realizing that Lu Wen's condition was getting worse and worse, Mr. Huang and others thought that they could not delay it any longer and that they must send Lu Wen to the hospital as soon as possible.
But there was a serious problem at that time, due to a large-scale power outage, there was no signal in the hotel, and there was no signal nearby, how should Mr. Huang and others pass on the information for help?
Who will be responsible for the untimely death
Judging from the final death of Lu Wen, the rescue is at least not timely, but should this pot be carried by the signal, or should it be carried by the insurance party?
In fact, Mr. Huang and others went down the mountain with dozens of pounds of bags on their backs, and finally found the signal before they were exhausted, and dialed the insurance party's phone according to Lu Wen's request.
Not surprisingly, the insurer refused to save the person, but provided the phone number of the helicopter rescue team at Mr. Huang's request.
However, a new problem was encountered, due to the limited English proficiency, there was a communication barrier between the two sides, and the time was delayed again.
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It was not until February 13 that the problem could not be resolved for a long time, and Lu's father learned about his son's specific situation, on the one hand, he was worried about his son, and on the other hand, after Mr. Huang's explanation, he communicated with the insurance company, asking them to pay the helicopter rescue expenses in advance to ensure the rescue.
Lu's father wanted to transfer money immediately, but the helicopter rescue demanded US dollars, and the bank was closed again.
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In the face of a living human life, even if there is no Nepal in the effective area of their coverage, after all, Ruben also bought his family's insurance, and at this time, he only needs to pay in advance to save people, but Meiya Insurance refuses to help.
It dragged on for a while, and it wasn't until four o'clock in the afternoon on February 13 that there was a clear result.
However, after the rescue helicopter took off at 16:29 and returned at 48 a.m., Ruben was not rescued.
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On the morning of February 15, the fog on the mountain lifted and the rescue helicopter took off again, this time Ruben was transported down the mountain, but he never saw his father again.
Had there been no fog on the afternoon of 13 February, he might have had a chance to be rescued.
But providence so, a few hours after the rescue helicopter returned for the first time, at around 0:30 on February 14, Ruben stopped breathing.
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Whose fault is Lu Wen's death? Alipay's Meiya Insurance has hidden key information, does it have to bear some responsibility?
Luffy, who lost his son, vowed to ask for an explanation for his son and let his son go.
epilogue
Most of the people who buy insurance have to suffer, there are a lot of word games on the contract, and there are a lot of hidden information, each of which may make us spend money and not be protected.
Ineffective insurance is still a good situation, and it is even more arrogant to cheat insurance. According to the Yangtze Evening News, some people were defrauded of more than 50,000 yuan in the "million protection insurance".
Therefore, money is hard-earned money, you should be cautious when buying insurance, and don't become the next Luwen.
Resources:
Henan Business Daily: Fudan graduate student died in mountaineering in the Mount Everest area, and the insurance company refused to rescue before his death: Nepal is not included in the coverage area.2024-04-16