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Data:2009-12-12 2:34
Members of the public started to accept the insurance of bird flu, experts advise --
In mid-November, Hua Life Insurance and livelihood launched in Jinan of human avian flu insurance. Reporter learned from the two companies, in which the insurance has just launched the first week, not only that no one came to buy even the people are rarely consulted, but the recent situation, the provincial capital members of the public already had the initiative to buy bird flu insurance consciousness. However, insurance experts advise the provincial capital, instead of "临时抱佛�quot; not as good as the insurance plan would do in peacetime.
"Human bird flu risk" for a single insurance <br> reporter from Hua and people's livelihood provided by two insurance policies to see, and in 2003 when the SARS outbreak, SARS introduced the insurers of insurance products similar to "human Bird flu risk "is a single protection insurance, sickness or accident are not available to other support functions.
It is understood that the two companies launched the insurance of bird flu within the first week, the public response was lukewarm, and even very few people have gone to insurance advice. But with the increasingly serious situation of avian influenza, in particular, have taken place in Anhui, with the result of human avian flu after the events leading to death, markedly enhanced the public's sense of insurance, of which only about 30 Huaan on copies sold.
Buying insurance should not be "临时抱佛肿quot;
It is understood that many traditional insurance products, although not indicate human avian flu within the scope of its protection, but according to the terms set, if the result of the risk of bird flu, insurance companies can also make a payment. Insurance products are usually divided into regular life insurance, life-long life insurance, medical insurance (the cost and hospital reimbursement-type grant type), major illness insurance and accident insurance and other types. Regular life and whole life is based on the death of the insured person for the compensation of insurance, is not due to different diseases caused by the death of the distinction. Reimbursement-type health insurance, is based on the actual medical expenses incurred for hospital reimbursement; hospital-based health insurance benefits is based on the actual number of days of hospitalization to pay insurance, the same does not distinguish between what kind of illness due to hospital for treatment. In general, the public good and effective insurance protection as long as the combination of natural able to cope with various risks that may arise, but do not have the time of an impending epidemic rush to purchase special insurance.
Experts pointed out that the Provincial Insurance Association, insurance products in general have a certain amount of deductible period, so the public "临时抱佛肿quot; approach would likely "failure", if you want to always be guaranteed, it is best to make plans in peacetime.
Insurance spotted when the relevant provisions of <br> many people pointed out that because only the insurance risk of major diseases specified in the contract, or more than 20 kinds of major diseases, are more than 30 kinds of protection, but over time the migration of many new the disease will continue to produce, how to get insurance on these new and emerging diseases, to still have some protection function? In this regard, the insurance experts said that at present, there insurance companies to keep their "major diseases" to amend the scope, in addition to major diseases known to be listed in addition to, but also the fact that the "end of life" or "the end of disease "representation, which guarantees the insured person suffering from a serious new disease, strange diseases, the same can be compensated. Critical Illness insurance consumers, we might care about whether the "end of life" or "terminal illness" and the relevant provisions, and as one of the criteria for selecting products.
