Zhongan property insurance high temperature insurance Tmall

Many people buy "high temperature insurance"

Not to get compensation.

Due to the high temperature weather, a novel insurance-high temperature insurance has appeared in the insurance market, which can be purchased directly online. This convenience has made many people try. Mr. Su, a citizen, told the reporter that because it was fresh for a while and the main price was not expensive, he bought it for an old man and a young woman. I didn't expect to really give myself a lot of protection, so I can feel at ease.

The reporter learned from the insiders that the modern operation mode of "high temperature insurance" is also the first individual-oriented weather index insurance in China, and the insurance company has adopted the way of taking the initiative to pay compensation, which may also be a novelty. Most people buy insurance, on the one hand, in the hope of getting compensation when the risk really occurs, on the other hand, in order to achieve psychological stability. Therefore, for "high temperature insurance", many people buy "high temperature insurance" not for compensation, but purely for fun, with a certain gambling color. From this perspective, to some extent, "high temperature insurance" has no psychological guarantee.

The scope of protection cannot be defined accurately.

Insurable interest is very small.

The reporter learned that the "high temperature insurance" jointly launched by Zhongan Insurance and Suning Appliance recently stipulates that all users who purchase Suning Appliance's extended warranty (not limited to categories) can get a high temperature insurance provided by Zhongan Insurance, and the guarantee period is July 1 to August 3 1. During the guarantee period, Zhongan Insurance will provide 3 yuan/day high temperature allowance as long as the temperature in the user's city is greater than or equal to the agreed temperature. People in the insurance industry pointed out that there is no obvious insurable interest in a single weather insurance, and this concern will dissipate after time.

In addition, a person from an insurance company in Zhejiang told the reporter that the insurance company uses Internet technology to directly pay the insured who meets the payment, and when the insured pays the premium, the payment amount will be directly transferred to Alipay or WeChat account. To some extent, it is a progress and highlight of "high temperature insurance". However, due to the inability to accurately define the scope of protection, problems often occur in the process of compensation, and for many people, the insurable benefits are very small, so people still have to buy according to their real needs before buying.

Heatstroke prevention shopping

Sickness medical insurance is enough.

It is understood that China Ping An also launched a "high temperature heatstroke accident insurance" on Tmall. The insurance price is 1 from 0 yuan to 38 yuan, and each applicant can insure at most1copy. When the reporter browsed the website, he found that the coverage of the insurance was divided into two categories: high-temperature medical care and high-temperature death. If a risk occurs within the predetermined period, the insurance company will pay compensation according to the agreement, of which the maximum compensation for high temperature death is 500,000 yuan. People in the insurance industry said that compared with single weather insurance, this cross-variety combination with other types of insurance, such as medical insurance and accident insurance, has obvious insurable benefits.

People from insurance companies said that heatstroke is often defined as an accident because of its contingency and unpredictability, but medically speaking, heatstroke is a disease, which is caused by people's own physical quality and reaction to harsh environment, and it is not an accident. Whether accident insurance can pay for heatstroke depends on the specific situation. You can't get compensation for a simple accident. However, if heatstroke causes a fall and trauma, it is an accidental injury accident, and you can get corresponding claims.

In addition, industry insiders said that people often have a misunderstanding that "high temperature insurance" can prevent heatstroke. In fact, it is enough to buy medical insurance for diseases, and the medical expenses caused by heatstroke can be guaranteed.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.