(Central News Agency reporter Xie Fangyuan, Taipei, 4th) Home isolation and quarantine persons who are quick-screened positive are regarded as confirmed diagnoses, and may be on the road as soon as mid-May; the property and casualty insurance industry is currently discussing common identification standards, and currently tends to return to the spirit of the policy clause, that is, epidemic prevention If an insurance policyholder wants to apply for a diagnosis claim, a doctor’s diagnosis certificate is still required.
With the sharp increase in the number of confirmed cases of COVID-19 (coronavirus disease 2019), Minister of Health and Welfare Chen Shizhong said today that he was isolated at home, and those who tested positive for rapid screening were deemed to be diagnosed and may be on the road in mid-May.
At present, there are 6 million effective policies for epidemic prevention insurance and 2 million insurance policies in transit. On average, 1 out of every 3 people has an insurance policy for epidemic prevention. The epidemic prevention policy affects the rights and interests of the property insurance industry and the public, and has attracted great attention.
In view of the possibility that the epidemic prevention policy may be changed to “quick screening as a diagnosis” in the future, the property and casualty insurance industry is currently discussing common identification standards. Although the decision has not yet been finalized, it is initially inclined to return to the spirit of the policy clause and take a more cautious attitude; that is, if epidemic prevention insurance is to be activated Confirmation claims are still subject to a doctor’s diagnosis and a confirmation certificate.
A property insurance executive pointed out that in practice, if any insurance policy is to be out of danger, the insurance company must verify the authenticity of the accident. If the quick screening test is positive, it is regarded as a diagnosis. For the insurance company, the procedures are not rigorous enough, including the inability to determine who the quick screening test is. , and quick screening is the voluntary behavior of the people, and there may be miscalculations.
The supervisor said that the contracted elements of the return policy, the diagnosis and settlement of claims must be confirmed by a doctor to be diagnosed with a notifiable infectious disease.
Another property and casualty insurance executive believes that the development background of the epidemic prevention policy launched during the clearing period is to protect moderately severe patients. At present, more than 90% of them have mild symptoms. If a positive test result is regarded as a diagnosis, the epidemic prevention insurance will relax the confirmation of the diagnosis and claim settlement. In line with the original protection meaning and function of insurance, the industry still tends to settle claims according to the policy terms.
In response to the possible changes in the central government’s epidemic prevention policy, the FSC officials reiterated that whether the epidemic prevention policy is to be claimed or not, everything is in accordance with the terms of the policy contract, and the interpretation will no longer be relaxed. (Editor: Pan Yijing) 1110504
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