Starter: Wenwen Dabao Belle
An insurance self-media that can directly contact the owner of the public account
Hello everyone, I'm Wenwen Dabao Belle, your heel insurance blogger.
Written at the beginning:
I didn't write an article as soon as the news appeared, because I didn't want to eat human blood steamed buns and didn't want to take advantage of this popularity.
Unintentional consumption of the deceased, the content of this article is mainly to scold the insurance company.
01
At the beginning of the article, I would like to tell you the background for those who don't know about this matter:
Mr. Lu is a Fudan Ph.D. and an experienced mountaineering enthusiast.
During the Spring Festival this year, he went to Nepal to climb Mount Everest, and bought travel accident insurance for himself before climbing the mountain, and the product has the function of "emergency rescue" in the protection content.
On February 11, in the process of returning to the camp, Lu became unwell and collapsed on the side of the road.
The enthusiastic traveler sent him back to the hotel, where he was in fairly stable condition.
But on the evening of February 12, Lu's condition suddenly deteriorated, and in such a situation, other travelers helped him contact his family and call the insurance company to report the incident.
On February 13, the family received a phone call from the insurance company, which refused to pay the claim, saying that Nepal was not covered by the policy.
If rescue is required, the family member is required to remit the rescue cost (in USD) to the insurance company's account.
The family wanted the insurance company to help pay first, but the insurance company refused.
Subsequently, with the help of the insurance company, the family contacted the helicopter company.
Helicopter companies also require remittances before helicopters can take off.
It wasn't until half past four in the afternoon of February 13 that the helicopter finally took off.
However, due to the fog on the mountain, the helicopter could not land, so it had to return and return the next day.
In the early morning of February 14, Lu passed away.
At 7:30 a.m. on February 14, a helicopter arrived at the hotel and transported Lu's body down the mountain.
That's the whole situation, and everyone can start the trial.
02
Let me start with my own opinion.
As an "insider" who is not a senior but has been in the insurance industry for a few years, I probably know why insurance companies use Nepal as a waiver and why they require customers to pay upfront.
However, when I see such news, I still want to greet the whole family of the insurance company.
Anyway, it's a living human life!
Boast about how good your service is every day, but you use insurance and your insurance company will not save you?
What the hell!
Yes, Nepal is not covered.
If it is not covered by the insurance, it is reasonable for the insurance company not to pay compensation.
That's right, yes – but is it right?
I checked the relevant news, and the "Xinmin Evening News" reported as follows:
The official customer service of the insurance company said, "The product introduction is not complete".
For the lack of a complete introduction to the product on the page, in addition to the insurance company, the sales platform is also to blame.
Lu's father also said, "There is really no reminder on the page that Nepal is not covered by insurance, but it emphasizes 24-hour emergency assistance." ”
Not to mention anything else, in the promotional page of the product, the words "excluding Nepal" are not capitalized, bolded, and in an obvious position, and "Nepal does not pay" is repeatedly prompted on the promotional page, which in itself is a dereliction of duty on the part of the insurance company and the sales platform!
Don't care what you, based on this alone, your insurance company and your sales platform, what you are doing is not right!
If something happens, the insurance company can be exempted from liability with a fluttering sentence, "the product introduction is not fully displayed"?
I found an insurance policy on the Internet that was said to have been purchased by Lu, and it was indeed written "except for Nepal":
Perhaps Lu did not read the insurance policy in detail after applying for the insurance because of his trust in the insurance company, otherwise I think that as a Fudan doctor, Lu would not have chosen to insure this product even though he knew that this policy did not protect Nepal.
Insurers, you can't expect customers to read terms carefully, and you can't use customers who may not read terms as a means to improve sales and manage claims.
The content we see now has been reported by a number of media, and perhaps there are still places in it that cannot restore the facts.
But your insurance company, you shouldn't bully classmate Lu, and you can't get up and talk to you anymore.
If you don't indicate important information in a prominent position on the product introduction, you can't get rid of this pot from your insurance company and your sales platform.
03
To be honest, after reading this news, my biggest feeling is helplessness.
It is said that Meiya's travel insurance used to cover the Nepal area, because many people used this helicopter rescue service, resulting in the latter area being excluded from the coverage.
And some of these people who use helicopters to rescue are either experiencing any difficulties, or simply don't want to walk down the mountain by themselves-
Since there are free helicopters, why not take them?
You don't even accuse these people of cheating on insurance, they may be complacent and feel that they have "made reasonable use of the insurance rules".
So the insurance company simply stopped covering Nepal.
This is the most disgusting thing about the behavior of "insurance fraud":
One profit you make will cause the interests of everyone to suffer in the future.
That's why I hate the kind of people who say, "I'm going to cut my hemorrhoids, you give me an insurance", "I'm going to the hospital, you give me an insurance"-
Get out! Get out!
04
Regarding Lu's situation, I personally think that the lawsuit can be won.
First of all, every time Lu travels, he buys accident insurance.
As a Fudan doctor, with his level of education, if he knew that Nepal was not covered, he would definitely not buy this product.
Secondly, when I say that this lawsuit can be won, I am not using public opinion to make trouble, but it is justified.
The "Retrospective Mechanism for Internet Life Insurance Business" was officially implemented on October 1, 2020.
To put it in layman's terms, we apply for insurance products on the Internet, and the process of applying for insurance will be recorded throughout the process.
The sales platform and the insurance company have fulfilled their responsibility to prompt customers when they apply for insurance, and the whole process of "insurance can be traced" can be checked!
For the fact that it is not clearly stated on the insurance page that Nepal is not covered by insurance, the insurance company and the sales platform must be held responsible.
It's just that even if the insurance can still get a claim, Kelu's young life will never come back.
Writing this, I still want to scold the insurance company 800 times - garbage!
05
I have also sold overseas travel insurance, and every time a client comes to me for advice, I will first ask, "Where are you going?"
Insurance is really not just a product that can be bought, the country you are passing through, the destination you are going to, whether you will engage in high-risk sports, etc., these will affect our choice of insurance.
If you can learn any lessons from this incident of classmate Lu, I can only say - after getting the insurance policy, let's take a look at it.
Some things do be justified, but there is no need to verify them at the cost of our own lives.
Buy insurance, read the terms, look at the contract!
(I have no intention of blaming Mr. Lu, only personal reflection.) ）
May Lu rest in peace.