7 years as an insurance broker and MDRT member
The service customers are all over 20 provinces, municipalities and autonomous regions across the country
Original article No. 107
According to a report by Red Star News in April,
In February this year, Lu, a graduate student of Fudan University, passed away while going on a mountaineering trip to the Everest region of Nepal.
The "Meiya Le Travel Asia Travel Insurance" purchased by Lu on Alipay was rejected by the insurance company.
In the past, similar situations may have been scolded by insurance companies, but this time it is a reversal of the limelight.
Let's look at this from a travel insurance perspective.
Why Denial of Compensation (Refusal of Rescue)
Because the insurance was bought incorrectly
If this kind of insurance really exists, normal people should suspect that it is an online fraud.
It is clearly stated in the policy that Nepal is not included in the insurance area.
If you want to cover Nepal coverage, there are other overseas travel insurance policies that can be covered, and although the premium has increased slightly, the difference is not large.
The insurance company has priced each product with full consideration for the overall risk controllability.
17 pieces 8 a day, also provide helicopter rescue in the Everest area, do you also think it seems too cheap.
Why doesn't Meiya protect Mount Everest?
(1) At the earliest, it was actually guaranteed.
But a little smart, climbed up (not the peak), clocked in, and was lazy when going down, so I called a helicopter.
Anyway, I said that my heart is uncomfortable, and your insurance company can't check it on the spot.
When he came back, he felt like he was smart and shared his intelligence with people online.
As a result, more climbers got smarter, and insurance companies started losing money, and Nepal was excluded from the global insurance policy in the general offering.
As for why other mountains have not been ruled out, because the vast majority of those who climb other mountains are really mountaineering enthusiasts, but those who climb Mount Everest are really having fun at this stage.
(2) Adventure and tourism
Lu is hiking in EBC Park, EBC is a tourist route, and climbing Mount Everest is an adventure.
The biggest difference is that the ticket to climb Mount Everest is more than 100,000 yuan, and the park ticket is 20 US dollars.
The tour line of this park is 5500 meters below, which is why some travel insurance policies have a 5500 meters. Because it is indeed more than 5,300 meters and a wooden house or something, you can live.
Lu was hiking on the EBC line, and the main reason for his death was altitude sickness, which was not taken seriously and led to no timely treatment.
It has nothing to do with the insurance company.
Did Meiya delay the rescue
The local helicopter company and Meiya are not the same company at all, and the helicopter company is an independent rescue entity serving major insurance companies and mountaineering companies.
When it comes to insurance liability, the insurance company has no obligation at all, because it is not covered. They can turn a deaf ear.
But after receiving the call, they quickly contacted the parents of the insured and helped to contact the rescue company.
It was only because Lu's father did not advance money in time that he delayed the time.
So why don't insurance companies advance money?
But if the money is really advanced, in the end, if it is not repaid, who will bear this responsibility?
Before climbing Mount Everest, Fan Jiangtao promised to give the guide $10,000 in order to save people. As a result, after being rescued, he said that he was only willing to pay $4,000.
The list goes on and on.
In fact, in the afternoon of the same day, Meiya negotiated to send rescue, which was really not a delay.
It was just a little unlucky, it was foggy at the time, and there was no way to land, so I had to go up the mountain again the next day.
Insurance companies are not charities, and if they had acted in love, they would have gone bankrupt countless times.
From the report of this incident, we can know that from the beginning of the high reaction to the rescue, Lu dragged on for time.
If you contact the insurance company earlier, even if it is not covered by the insurance, the insurance company will not help contact the rescue company out of resource advantages, and this situation will not occur.
The insured's regret cannot be repeated
The tragedy has already happened, and it is a bit cruel to say that the victim is responsible at this time.
The greatest maturity of an adult is the freedom to make any choices, and at the same time to take responsibility for their own choices.
As an adult, Lu did not fully plan the response to extreme situations before he was ready to engage in an activity that was extremely dangerous, and finally regretted that his father and family were indeed difficult to accept.
Lu's handling of the matter of buying insurance is indeed flawed, and he is overconfident in the field he is not very good at, and he does not pay attention to the most important details.
It's a shame that this happened.
Why buy the wrong one?
Lu bought this travel insurance on Alipay, but it was not shown on the homepage: except for Nepal.
However, on the front page of the electronic insurance policy, it is written except Nepal.
We can go to other platforms (WeChat, Ctrip, etc.) to view, and the same product is marked on the homepage except Nepal.
This situation is not uncommon in Internet insurance.
At the beginning of this year, I helped the client apply for a [Dental Hospital Physician Practice Liability Insurance] and marked "Excluded Orthodontics" on the homepage, but on the same day, the electronic policy was issued, and there were more [Excluded Implants].
At this time, it is necessary to communicate with customers in time and change products in time.
Ordinary consumers, basically everything is fine after the insurance is completed, and they almost do not look at the insurance policy, and even if they do, they may not see anything abnormal.
Lu did not plan well before he was going to engage in an activity that was inherently dangerous.
After doing the relevant strategies, you may know which travel insurance to buy, especially in Nepal, where climbing Mount Everest is a major and high-risk project.
Travel insurance purchase
Lu is directly insured on Alipay, if he seeks professional consultation.
At the very least, the other person will ask, where are you going?
This step alone averts a tragedy.
In fact, there are not a lot of things to pay attention to in insurance products.
Exclusions, coverage, individual limits, special agreements, etc.
Travel insurance, as a short-term type of insurance, most people do not pay attention to it and do not bother to choose.
In fact, the price of the same product, in various channels, whether it is served by someone or no one, is the same.
In September last year, my client, a young couple, went to Canada for their honeymoon and learned about the time, route and whether there were high-risk sports, so I matched them with AXA Tianping Zhixing World Overseas Travel Insurance, with a 14-day premium of 370 yuan per person.
Travel insurance products are actually very good, not only to reimburse medical expenses, but more importantly, to provide emergency rescue and medical evacuation.
Before a client travels, I always ask what country to go to, whether it is traveling or on a business trip, and whether there are any high-risk activities in the process.
Even in China, such as skiing in Harbin or diving in Sanya, these are high-risk sports.
Every year before major holidays, I send this travel insurance guide I wrote in 2019 to my clients, reminding them to buy travel insurance, especially when traveling abroad.
Insurance is complicated, and the customer cannot be blamed because the customer also does not know what to pay attention to.
But you can't blame the insurance company, the premium of tens of hundreds of dollars itself has to leverage hundreds of thousands of millions of insurance amounts, as well as various medical resources for emergency rescue, and there must be strict actuarial and contract terms to ensure performance.
What is missing is a service person who can align the granularity between insurance and customer needs, which is not something that can be replaced by a single web page.
Even an accident insurance of dozens of dollars needs the service of a professional to make it work, and other insurance products, do you dare to find a link to apply for insurance?