With the spread of the epidemic in COVID-19, many insurance companies have also launched insurance products specifically for the epidemic to help the insured cope with the uncertainty brought by the epidemic. This article will introduce the insurance introduced in response to the epidemic situation to help the insured understand the characteristics and coverage of these insurances.

1. Characteristics of special insurance for epidemic situation

Special insurance for epidemic situation is an insurance product launched for the epidemic situation in COVID-19. Its characteristics are as follows:

1. Wide coverage: The coverage of special insurance for epidemic situation is wider than that of general insurance, including not only medical expenses during the epidemic situation, but also compensation for losses during the epidemic situation.

2. Low premium: The premium of epidemic special insurance is lower than that of general insurance, and the insured can get more comprehensive protection at lower cost.

3. Short coverage period: The coverage period of epidemic special insurance is generally short, generally one year, and the insured can choose the appropriate coverage period according to his own situation.

II. Scope of coverage of special epidemic insurance

The scope of coverage of special epidemic insurance is wider than that of general insurance, mainly including the following aspects:

1. Medical expenses: Special epidemic insurance can reimburse the insured for medical expenses caused by COVID-19 infection during the epidemic period, including hospitalization expenses and outpatient expenses.

2. Loss compensation: The special epidemic insurance can also reimburse the insured for the losses caused by COVID-19 infection during the epidemic period, including income loss and property loss.

3. Travel compensation: The epidemic special insurance can also reimburse the insured for the losses caused by travel obstruction during the epidemic period, including ticket change fees, hotel charges, etc.

III. Requirements for special epidemic insurance

The requirements for special epidemic insurance are generally stricter than those for general insurance, mainly including the following aspects:

1. Age limit: the age for special epidemic insurance is generally limited, and policyholders over 61 years old are generally not accepted.

2. Health status: The applicant for special epidemic insurance must be a healthy person and cannot have any history of chronic diseases or other diseases.

3. Insured area: The insured area of epidemic special insurance is generally limited, and generally only the insured in China is accepted.

IV. Insurance process of epidemic special insurance

The insurance process of epidemic special insurance is generally divided into the following steps:

1. Choosing insurance products: the insured must first choose the appropriate insurance products according to his own situation, which can generally be selected on the official website or APP of the insurance company.

2. Fill in the insurance information: the insured needs to fill in the insurance information according to the requirements of the insurance company, including the basic information of the insured and the insured.

3. Payment of premium: the insured needs to pay the premium, which can generally be paid by online payment or bank transfer.

4. Confirm insurance: The insured needs to confirm the insurance information and click the "Confirm Insurance" button to complete insurance.

V. Claims process of epidemic special insurance

The claims process of epidemic special insurance is generally divided into the following steps:

1. Submit claims application: the insured needs to submit claims application according to the requirements of the insurance company, which can generally be submitted on the insurance company's official website or APP.

2. Submission of claim materials: the applicant needs to submit claim materials according to the requirements of the insurance company, including medical invoices, income certificates, etc.

3. Claims review: the insurance company will review the claims materials submitted by the insured, and the claims can be paid after the review is passed.

4. Payment of claims: The insurance company will pay the claims to the account of the insured according to the requirements of the insured, generally by bank transfer.

VI. Precautions for special epidemic insurance

There are certain precautions in the application and settlement of special epidemic insurance, and the insured should pay special attention to the following points:

1. Insurance information: the insured should carefully check the insurance information when applying for insurance to ensure that the insurance information is accurate.

2. Insurance clauses: The insured should read the insurance clauses carefully before applying for insurance, so as to ensure that they know the coverage and insurance requirements of insurance products.

3. Claims materials: the insured should prepare all the materials needed for claims to ensure the smooth progress of claims.

To sum up, epidemic special insurance is an insurance product launched for COVID-19 epidemic. Its coverage is wider than that of general insurance, and its premium is lower than that of general insurance, but its insurance requirements are stricter than that of general insurance, so the insured should pay special attention to it when applying for insurance and making claims.