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Comparing a variety of new crown vaccine insurance deaths up to 200,000 scholars: most of the harsh terms and gimmicks

2021-03-07T03:10:29.939Z


Two consecutive citizens died of different reasons shortly after being vaccinated. The cause of death has yet to be dissected to find out whether it is related to the side effects of the vaccination. The vaccine protection fund established by the Hong Kong government needs to prove the death or seriousness of the person concerned


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Written by: Liang Huanmin

2021-03-07 11:00

Last update date: 2021-03-07 11:00

Two consecutive citizens died of different reasons shortly after being vaccinated. The cause of death has yet to be dissected to find out whether it is related to the side effects of the vaccination.

The vaccine protection fund established by the Hong Kong government needs to prove that the death or serious adverse reaction of the person concerned can be compensated only if it is determined to be related to the vaccination. If the public wants further protection, can they get a high amount of compensation if they buy insurance products?

The reporter of "Hong Kong 01" compared 5 insurance companies. The new crown vaccine purchased by the Hong Kong government can be covered, but it requires an outpatient doctor to prove that the vaccine causes adverse vaccine reactions under the WHO regulations to be covered. The protection includes hospitalization. Cash protection and compassionate death protection, including plans designed by insurance companies, are only applicable to existing customers, or they may need to be purchased together with other life and medical insurances. The protection date of some plans also ends on June 30, with a shorter period , There are also insurance companies that only accept applications from people aged 18 to 65. To get insurance compensation, they are subject to many restrictions.

Source: web pages of insurance companies

Many companies have approved the US FDA and Hong Kong and Macau government vaccines

The new crown pneumonia epidemic has been affected for more than a year. The supply of vaccines in Hong Kong began in the middle of last month. So far, citizens can receive two different vaccines. However, in recent days, people have experienced adverse reactions after being vaccinated and suspected of being vaccinated for different reasons soon after vaccination. Personal stories have caused the outside world to worry about the extra vaccine.

"Hong Kong 01" compares five insurance companies in Hong Kong, including AIA, AXA, Fortis, Manulife and Prudential, which are available for purchase of insurance company plans related to post-vaccination protection for the new crown pneumonia, including AIA, AXA, Fortis and Manulife's definition is broader, covering vaccines approved by the US Food and Drug Administration or Hong Kong and Macau health authorities; while Prudential UK is limited to the new coronary pneumonia vaccines provided or approved by the Hong Kong government.

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Need to prove that the adverse reaction is caused by the vaccine

Regarding the definition of compensation for adverse reactions caused by vaccination, the insurance products provided by the 5 companies are insured against the adverse reactions and side effects described by the WHO caused by the vaccination within 14 days after vaccination, and the vaccination certificate must be obtained. , The outpatient doctor’s written certification for the adverse reactions caused by the vaccine will be approved for compensation.

At present, two people in Hong Kong have died after being vaccinated, and the authorities all refer to them as long-term patients. It is initially believed that they have nothing to do with the vaccine.

Comparing the terms of the insurance company, if the claimant has an adverse reaction after the injection, whether the cause is pre-existing disease or vaccination may be controversial.

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Death compensation companies listed adverse reactions within 30 days and only 14 days

The amount of coverage is also similar. The amount of hospitalization compensation can be roughly classified as an adverse reaction within the range of 14 days. Among them, Prudential provides up to 1,000 yuan per day for a period of 10 days. The insured is a medical staff. Double the daily subsidy and family subsidy; Manulife, Fortis and AIA are 800 yuan per day, and AXA is 700 yuan per day.

Four of the company's provisions stated that the death gratuity is 100,000 to 200,000 yuan for death due to adverse reactions 30 days after vaccination, and AXA is 100,000 yuan for death within 14 days after vaccination. Yuan compensation.

Among them, insurance companies’ plans include different protections. The promotional materials of AIA and Fortis mentioned that the plan not only includes the new crown pneumonia vaccine, but also covers the hepatitis B vaccine and seasonal influenza vaccine, and Prudential’s vaccine plan It is guaranteed that after the injection, it is still confirmed as a confirmed case by the Center for Health Protection in Hong Kong and will receive a compensation of 10,000 yuan.

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AXA does not guarantee that there is a difference between the age of 65 and above and the recommended age of the Hong Kong government

However, each protection plan has certain application restrictions. AIA, Fortis and Manulife are only eligible to apply for qualified customers. AIA requires customers to purchase a copy of personal life and medical insurance at the same time, or be a new group customer; Manulife requires Be the insured or policy holder of an existing individual policy or an insured member of a group medical hospital policy issued by Manulife; in addition, Fortis eligible customers refer to all existing and new customers of Fortis individual life and group life insurance Wait.

AXA needs to be insured between 18 and 65 years old. The Hong Kong government recommends that people over 60 be vaccinated. There seems to be some difference in conditions.

Some companies only cover until June 30 this year

The coverage period of each plan is also different. The coverage period of AIA and Fortis is until December 31, 2021, and the period of coverage for AXA is one year from the successful registration; Manulife and Prudential are until June this year On the 30th, you should pay attention to the guarantee time if you do not purchase the relevant products within the limited period.

Li Zhaobo, a senior lecturer at the Business School of CUHK, learned about the side effects of COVID-19 vaccination insurance from various insurance companies and said that most of the contract terms are quite harsh for those interested in purchasing related products. I believe that most of them are just for "Gimmick".

(Profile picture)

Li Zhaobo, a senior lecturer at the Business School of CUHK, learned about the side effects of COVID-19 vaccination insurance from various insurance companies and said that most of the contract terms are quite harsh for those interested in purchasing related products. I believe that most of them are just for The "gimmick" and related insurance products are not independently insured. "Since many insurance companies have to buy other insurance products, it is obviously only one of the contract clauses. It is a popular gimmick nowadays. The maximum insured amount is only up to 200,000 yuan. The low amount is not very helpful at all. Good words are not good, and they are only for people in need."

He said that among the conditions, the most difficult one to follow is to prove that the vaccine has a direct impact on the insured, not because of other physical factors, plus proof of related issues, which requires a doctor to sign paper to testify, which takes time. It is also complicated. Most of the insured will use medical insurance to obtain related needs. "In fact, if the insured is ill, such as high blood pressure, diabetes, etc., it is difficult to determine whether the side effects of the insured are caused by it. It’s difficult to use vaccines to get compensation.” He also mentioned that many insurance companies have consulted data from other countries and believe that the chances of applying for compensation for vaccines are relatively low. Proposing related products at this critical time can be regarded as Publicity, the possibility of compensation is low risk, and frankly saying that "overcalculation" has certain benefits for insurance companies.

He believes that if there are people who have obvious side effects after being vaccinated, they will be compensated by the voluntary health insurance scheme launched by the Hong Kong government earlier, or be issued with a new crown pneumonia protection fund affected by the vaccine, because the general public does not need it. Spending on the purchase of related products, "You must add other products to buy. There is a clause that may not be written on the online quotation. You must check the details of the customized orders for your customers. It's simply designed for vaccines."

▼The epidemic has repeated social distancing measures for a week starting from March 4▼

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Starting on the 26th of last month, citizens can successively go to the vaccination centers in various districts to receive the new crown pneumonia vaccine.

(Information Picture/Photo by Luo Junhao)

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Source: hk1

All news articles on 2021-03-07

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