Financial news
Written by: Wen Haozong
2020-01-31 17:03
Last updated: 2020-01-31 18:40The pneumonia epidemic in Wuhan has continued to expand. In addition to the people buying masks to help themselves, many insurance companies have also introduced additional protection against new coronaviruses. AIA (AIA, 1299) Hong Kong recently announced that it will provide customers with additional free protection. If a new type of coronavirus is diagnosed and quarantined, it will receive a compensation of 15,000 yuan.
As of now, at least 10 insurance companies in Hong Kong have provided additional protection against the outbreak, including AIA, Prudential, Manulife, AXA AXA, Bupa, FWD, Fortis, Sun Life Financial, BOC Life and the virtual insurance company Bowtie (Baotai Life ).
700 yuan per day if quarantined
AIA Hong Kong announced that it will provide free additional protection and relax compensation support measures for all personal and group insurance customers. First of all, if a new type of coronavirus is diagnosed and needs to be quarantined, it will receive a one-time "diagnosis compensation" of 15,000 yuan; new personal insurance customers can receive an additional "HK $ 700" per day for up to 30 days; The death of the new coronavirus will result in a death benefit of 150,000 yuan.
AIA also announced the relaxation of compensation support measures, including waiver of waiting periods for policies, relaxation of hospitalization restrictions, relaxation of restrictions on designated Mainland hospitals, relaxation of time limits for submitting claims applications, and protection of drugs or treatment items.
AIA announced that customers who need to be quarantined for the diagnosis of the new coronavirus will provide a daily cash compensation of 700 yuan. (Profile picture)
Prudential Extra Hospital Benefits $ 600 per day
Apart from AIA, major insurance companies in Hong Kong have added protection against the outbreak. Among them, Prudential announced on Thursday (23rd) that it provides additional protection to all individual and group medical hospitalization insurance policy customers. If a new coronavirus is diagnosed and needs to be hospitalized, it will enjoy free extra hospitalization cash protection for HK $ 600 per day for 45 days , And there is no waiting period. The coverage period is temporarily set from January 23 to April 30.
Manulife Hong Kong also announced earlier that from now until April 30, it will provide additional protection for all existing and new customers of personal financial insurance products, group medical hospitalization policies, including hospitalization if the insured customer unfortunately diagnoses the new coronavirus, Provide daily cash protection of RMB 600 for a maximum of 45 days in hospital; if compulsory quarantine is ordered by the Hong Kong or Macau government, a one-off special cash protection of RMB 3,000 will be provided for each case; if a new type of coronavirus is diagnosed, the family or need to be home Segregation will provide a one-off special cash protection of 2,000 yuan.
As for AXA, until April 30th, the insured persons of all life or medical policies, as well as the employees and family members of the employee benefits hospitalization insurance policy, will be automatically hospitalized for free additional hospital cash if they are diagnosed with the new coronavirus and need to be hospitalized. 700 yuan per day, up to 45 days, no waiting period required; customers who suspect or confirm a new coronavirus case in Hong Kong, Macau, or the Mainland do not need to apply for pre-approval for hospitalization, they can also apply for related claims, if they need to be admitted to an isolation ward, regardless of Eligible medical expenses can be claimed for the types of wards.
Bupa, which specializes in medical insurance, has also launched a similar arrangement last week. From the special protection period from now to May 31, existing customers of the company who need to be hospitalized if they have been diagnosed with the new coronavirus can be covered for all the treatment costs required during the hospitalization. If you need to stay in a higher-level ward due to isolation reasons, the related adjustments can also be waived; if the existing customer is diagnosed and must be hospitalized for treatment, regardless of whether the insured person has hospitalization cash protection, he can receive up to Additional cash protection for 45 days is 800 yuan per day.
Virtual insurance company Bowtie also introduced additional protections. From now until April 30, the Voluntary Medical Insurance Plan introduces new pneumonia additional protections. If you have been referred to a Western doctor for a lung X-ray test or lung / thoracic cavity for any respiratory problem, A computer scan (CT) will receive full compensation for this cost, and each insured person can use it once during the effective period. In addition, if the insured person needs to be hospitalized due to infection with pneumonia caused by the new coronavirus or is suspected, he needs to live in a quarantine quarter , Each person receives a daily allowance of HK $ 600, the maximum is 30 days.
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