Frequently asked questions about high temperature insurance

1. Why is the insurance period not optional?

The insurance period of high temperature insurance is 2014.6.21-2014.8.23, that is, the summer solstice in 24 solar terms, that is, the summer heat stage. It belongs to a specific stage, so it is not optional.

2. "37℃ high temperature insurance" means that as long as the city temperature reaches 37℃, you can get claims?

The number of days when the highest temperature in the city where the insured lives reaches or exceeds 37℃, and at the same time, it needs to exceed the number of days without compensation agreed in the insurance contract to get the claim.

3. What's the weather like in each city?

Zhongan Insurance has designated a meteorological observation station numbered by the World Meteorological Organization (WMO) for each insured city, and will confirm the high temperature day of 37℃ according to the temperature data of each designated meteorological observation station released by the Central Meteorological Observatory. Corresponding to the table below, you can query the code of the designated weather station corresponding to each city. As the temperature released on the same day is mostly forecast data, the claim is based on the live meteorological data released by the designated meteorological station of the insured city (see the table below) announced by the Central Meteorological Observatory the next day.

3. Can I surrender my insurance after purchase?

You can surrender your insurance before the sales deadline (20 14-06-06), and don't surrender your insurance after you stop selling.

4. If the high temperature of 37℃ meets the claim conditions, how can I get compensation?

In the Internet age, claims are automatically settled, and the premium is automatically paid to Alipay account or WeChat account.

5. What documents do I need to provide when I make a claim?

There is no need to provide any documents.

6. How much can I get for summer heatstroke prevention and cooling?

If you buy an insurance policy, the maximum allowance you can get is no more than 100 yuan. If you buy more than one copy, the maximum amount you can get is: insured copies * 100 yuan.

7. Why are the days of deductible different in each city?

The geographical location and climate zone of each city are different, and the probability of high temperature days at 37℃ is also very different. In order to be fair, according to the historical high temperature data of each city and the prediction of global climate change on the future climate of each city, different uncompensated days are obtained.