Traditional Culture Encyclopedia - Weather inquiry - What is "high temperature insurance"? Is it reliable? How much can I buy at most?
What is "high temperature insurance"? Is it reliable? How much can I buy at most?
A: Hello. This "37℃ high temperature insurance" is the first domestic high temperature insurance product launched by Zhongan Insurance, and is currently sold in Zhongan Insurance Tmall flagship store and Zhongan Insurance official WeChat. Each premium is 10 yuan, and the maximum premium can reach 100 yuan. This insurance basically covers 30 major high-temperature cities in China. If you want to buy, you can go to their flagship store to see if your city is within the scope of its insurance city.
When you buy 37℃ high temperature insurance, once the cumulative number of days in which the daily maximum temperature in your city exceeds 37℃ exceeds the agreed deductible days (the deductible days are different in different cities), the insured can receive 5 yuan/copy of high temperature allowance every day for each additional day of high temperature above 37℃, and each policy can receive the maximum insurance premium of 100 yuan. What needs special emphasis here is their claim settlement link. Unlike ordinary insurance, you need to apply for claims yourself, and you don't need to provide any information all the time. The insurance company will automatically calculate according to the actual temperature data, and pay the insurance premium on a daily basis if it meets the claim conditions, so the procedure is relatively simple and convenient.
My city is Beijing. The following is a calculation method for me to buy this insurance, hoping to give you reference:
I bought five copies of 37℃ high temperature insurance in 50 yuan, the flagship store of Zhongan Insurance Tmall, which is the total coverage of 500 yuan. Suppose there are 10 days during the insurance period (June 2 1 day to August 23) when the high temperature exceeds 37℃, that is, deducting 6 days of deductible (deductible days are different in different cities), I can get (4 days *25 yuan/day =) 100 yuan. According to the current hot weather in Beijing, if I buy this insurance, I will definitely make a steady profit.
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