segregation allowance insurance can be purchased according to the following conditions.

If you are in a high school risk area, you can consider one. You have had close contact with patients in COVID-19, and the national health department requires centralized isolation, which meets the compensation standard of "isolation allowance insurance", and you can enjoy subsidies ranging from several hundred yuan per day. For example, if you choose COVID-19 isolation allowance insurance underwritten by AVIC UNITA Property Insurance, 511 yuan/day protection, you will get a subsidy of 6,111 yuan after four days of isolation, which can still reduce quite a lot of expenses.

if it is in a low-risk area and the possibility of close contact with COVID-19 is relatively small, then it is ok not to buy it.

most of them appear as accident insurance supplements.

The so-called isolation insurance refers to a new type of characteristic insurance product, in which the insured can enjoy subsidies during the isolation period if he is isolated due to the COVID-19 epidemic during the protection period. At present, the "isolation insurance" on the market mostly includes COVID-19 isolation allowance into health insurance or accident insurance products, mostly short-term insurance with a term of one year or less, which can be sold through the Internet. The main contents of compensation are: isolation, diagnosis and death, and it is a payment type (corresponding to reimbursement type) insurance.

at present, "isolation insurance" is mainly sold through three channels, namely, insurance agent channel, insurance broker channel and third-party platform with cooperative relationship with insurance companies. Many isolation risks are often automatically pushed when you travel in software or browse other pages. In addition, isolation insurance is actually a kind of COVID-19 isolation allowance, which mostly appears as a supplement to accident insurance, so it can also be purchased together with train tickets and plane tickets. At present, many insurance companies, including Zhongan Insurance, Zhonghui Property Mutual Insurance Agency and Taiping Property Insurance, have launched related products. However, some companies have removed the "isolation insurance" products launched earlier.

It is not easy to get the "isolation allowance"

"Only when the whole district or the whole city becomes a medium-high risk, or it becomes a close connection, can you claim compensation. Under the current epidemic prevention policy, it is rare for the whole city or the whole district to become a medium-high risk." Xiao Gao, who bought isolation insurance, said that not all products are what consumers think, and it is not so easy to get "isolation allowance".

after consulting some isolation clauses, it is found that there are many restrictions on claims. The "isolation" referred to in the "isolation insurance" is not necessarily the "isolation" understood by the public. If the product clearly stipulates that "the insured is required to be isolated at home" and "the isolation fee that the insured has not paid at his own expense despite being isolated centrally", he will not be liable for paying the insurance money. Moreover, the sub-secret connection is generally not covered, and the insurance only includes secret connection and isolation in medium and high risk areas. Other products require that the insured must be in a low-risk area, and at the same time, they must not take the initiative to go to a medium-high risk area for personal reasons, otherwise they will refuse to pay compensation. In addition, there are more detailed terms and requirements on whether there is isolation caused by taking transportation, or home isolation and centralized isolation.

Pay attention to the specific rules when purchasing

In terms of regulating the publicity and sales behavior, the Notice requires insurance companies not to make misleading publicity or explanations on important information such as the protection responsibility of insurance products by deception, concealment or inducement, and not to make one-sided publicity and malicious hype for the purpose of gaining consumers' attention.

In terms of defining the insurance liability, the Notice requires insurance companies to fully fulfill the obligation of explanation in the product sales process, fully explain the insurance liability, liability exemption and claim settlement conditions, and make tips and explanations on the terms exempting the insurer from liability in accordance with laws and regulations that can attract the attention of the insured.

is "isolation insurance" worth buying? Industry insiders suggest that high-risk people such as doctors, cold chain workers, international flight service personnel and frequent business travelers can buy one. However, when purchasing this kind of insurance, consumers should pay special attention to the specific rules of each company, find out the key issues such as "what to protect, what not to protect, and how to settle claims", and make rational choices based on their own needs.

Because China Banking and Insurance Regulatory Commission prohibits insurance companies from developing COVID-19 single liability insurance products, the "isolation insurance" in the market actually includes COVID-19 isolation allowance into health insurance or accident insurance products. The target customers of "isolation insurance" are mainly catering industry, frequent business travelers and other customers with high exposure risk. Ni Luowei reminds everyone that before buying insurance, you must first read the terms of the claim, and the most important thing is to see the object of payment. "Most products only pay for centralized isolation personnel, and home isolation is not covered." Home isolation can also be paid for isolation insurance, such as Fosun United's Ai You Worry, which can pay 211 yuan/day for a maximum of 31 days, but not for home health monitoring.

in addition, you should read the disclaimer carefully. Many COVID-19 isolation insurance exemption clauses include "centralized isolation or home isolation for people returning from non-medium-high-risk areas or closed management areas of the whole city", for example, most of the compulsory isolation after returning home will not be paid. In addition, people who have been notified of compulsory isolation or have been identified as medium and high risk areas will not be paid.

Legal basis:

Article 31 of the Insurance Law of the People's Republic of China

The following medical expenses are not included in the payment scope of the basic medical insurance fund:

(1) Those that should be paid from the industrial injury insurance fund;

(2) It shall be borne by a third party;

(3) It shall be borne by public health;

(4) seeking medical treatment abroad.

the medical expenses shall be borne by the third party according to law. if the third party fails to pay or cannot determine the third party, the basic medical insurance fund shall pay in advance. After the basic medical insurance fund has paid in advance, it has the right to recover from the third party.

article 31 social insurance agencies may sign service agreements with medical institutions and pharmaceutical trading units to regulate medical service behavior according to the needs of management services.

medical institutions should provide reasonable and necessary medical services for the insured.

article 32 if an individual is employed across the overall planning area, his basic medical insurance relationship will be transferred with him, and the payment period will be calculated cumulatively.