Experts teach you spychicken and move to take out insurance Insurance Tips

Category: Insurance tips Release Date: 2006-08-01

The tide of avian flu swept the globe with the spread of bird flu in the world, sensitive, the insurance industry has also launched a new round of sales battle. According to report, last Thursday, one of Mr. Zhu in Shanghai China's first "human bird flu risk" policy of the insured. The policy is sold by the people's livelihood and Life Insurance Shanghai Branch, and is the first specifically covered human avian flu policy. Later, Hua insurance is also declared in the country launched the "bird flu worries sickness insurance" in order to cope with bird flu around the world tide.

The weather becoming cooler season, the threat of respiratory diseases seem to once again come to our side. Along with the spread of bird flu, the domestic insurance companies have started spy "chicken" and moving, in a recent bird flu has introduced a special insurance. Then, once the bird flu come true, whether we can get some protection through the insurance? In the outbreak came, we had purchased life insurance policies still be able to continue to play a security role? With these questions, this reporter recently visited the professionals.

100 yuan can be a special risk insurance <br> reporter has learned that last week two insurers have introduced special insurance for bird flu, as long as aged between 16 years old to 70 years old, and the insured had not been diagnosed with bird flu patients Weiren or suspected cases of bird flu have not been isolated observation, and in mainland China, people can live in insurance, and the procedures are simple, can be an insurance agent or an electronic network coverage.

As the first "early adopters" of the insurance companies, the people's livelihood Life launched "people's livelihood and care for special diseases, Term Life (B section)" and "people's livelihood, caring group of special diseases, Term Life (B section)", respectively, both for individuals and groups market. Beijing, Shanghai, Guangzhou, Shenzhen premium for each 200 yuan, the insurance amount of 100 thousand yuan; other parts of insurance for each 100 yuan, the insurance amount of 50,000 yuan each. Hua insurance in the country after the launch of the "bird flu worries sickness insurance" Life is more liberalized than in the people's livelihood have been altered, and its premium is 100 yuan, 200,000 yuan to protect lines. Two company's products are one-year period, the terms of the people's livelihood, the insured person suffering from bird flu confirmed and therefore before the death of payment, Hua provides relaxed, as long as the diagnosis can be paid.

In addition to individual other than the people's livelihood Life specifically for institutions, enterprises, institutions and social groups, or the number of members in five people (including 5) or more families, launched a bird flu group insurance business, the period of insurance, insurance, insurance, the amount and insurance responsibilities and personal life the same as a regular.

At present, the two companies launched the bird flu is highly targeted insurance services, insurance and liability are clear and easy insurance.

Ordinary life insurance may also be compensable sick <br> addition to the above described two types of professional insurance, the reporter learned that, we can usually hospitalized in order to prevent illness, or physical health problems occur purchased life insurance, during an outbreak of bird flu can be play a certain role. According to China Life Insurance, Pacific Life and other companies the service personnel, life insurance is the main type of life insurance, including regular insurance, life insurance and Endowment insurance. Under normal circumstances, these insurance companies and insurance not included in the bird flu, "exclusion of liability," bird flu belongs to the scope of common diseases, the insured person died due to bird flu, the company usually provide compensation. If the insured insured insured amount of 100,000 yuan of the product, careless in the insurance period for bird flu died, according to the terms of death for 10 million in insurance money.

Of course, if you have previously purchased life insurance subject to cost-based health insurance, this does not mean that Paul will lose the number of how many. However, the reimbursement paid to the range of products, amount of money there, such as "waiting period", "deductible" and strictly limited. If this is the first time, insured, most of the cost-based medical insurance products have a waiting period, generally 60 days or so, while some products, while a longer waiting period is 3 months. Waiting period, the insured person hospitalized due to illness, the insurance companies live up pay insurance payment. However, the renewal had no waiting period restrictions. In addition, although the main function of such insurance is to reimburse the insured person's hospitalization medical expenses, but not the insured person was hospitalized for various reasons, the use of various types of drugs are given to reimburse the cost. In addition to the above-mentioned cases, the administration of social health insurance shall at their own expense for drugs, examination, surgery, treatment and other items, without the approval of the medical health management fees, insurance companies do not reimburse the same.

Two categories of products is not compensable <br> Although under normal circumstances, we have insurance companies and health insurance subsidies, insurance, additional hospital exemption clause does not include the "avian flu" outbreak, so get paid accordingly, but industry experts also pointed out that we buy life insurance products also has two types of insurance is not compensable.

The first is heavy and dangerous disease disease does not cover the bird flu. It is understood that health insurance is based on the insured person suffering from disease as insurance, accident insurance, mainly critical-illness insurance, hospital reimbursement-type insurance, hospitalization subsidy-type insurance. For avian flu, major illness insurance payment is two-part look at. At present, the policyholders of avian influenza, insurance companies, not going to pay "significant sickness insurance benefits." According to reports, in the "critical-illness insurance money" payment within the scope of the names of diseases are listed in the insurance contract, only the first time, have been diagnosed with the disease out of those listed in any one type of insurance to get the benefit, different insurance companies despite the disease from several to dozens of species ranging from 10, but not including "bird flu." However, some covered by the "death insurance liability" heavy disease risk, although not paid "significant sickness insurance," but usually suffering from bird flu in the policy-holders after his death, to give the corresponding "death insurance." Hospital reimbursement-based, hospital-based health insurance subsidies is more complex. Insiders pointed out that the former depends on the drug used during hospitalization and whether the local health insurance within the scope of the hospital-based insurance subsidies depends on whether the bird flu disease was classified as a statutory context, different insurance companies or different.

Another type of bird flu have been excluded from the insurance is accident insurance. Industry experts pointed out that since the "avian flu" are infectious diseases, rather than accidental injury, so in general, personal accident insurance policy holders can not receive compensation. As the current large-scale infection of bird flu has not been formed, the insurance company can not determine the life table and fixed risk factor, can only be measured by virtue of experience and introduction of a simple special insurance, accident insurance claims to fill the gaps.

Chinese Commercial News reminded <br> insure attention to the bird was to shop around <br>, many people think of first purchase of a policy of their own, but experts also reminded the insured, the insured to establish the concept of rational to see clearly the specific terms of each policy, and with each company released a comparison of the relevant insurance, and then decide to purchase.

Experts suggest that the insured, at the signing of the contract to understand the specific provisions of the insurers to "shop around" in the knowledge re-signed under the premise. At the same time depends on whether the operator in accordance with fair and reasonable sharing of benefits and risks, rights and obligations of the principle of reciprocity establish terms, with or without intent to circumvent or transferred liability issues; a highly specialized form contract, it is best to expert advice; verbal commitment to content should be included in the contract.