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Reporter Dai Yuxiang / Taipei Report
The local pneumonia outbreak in Wuhan is intensifying, once again making people nervous and buying “insurance policies against the epidemic.” However, due to the sudden influx of buyers, the Taiwan insurance company can only announce “stop selling.” Insurance expert Liu Fenghe revealed to “Sanli News Network” the inside story of the suspension of the policy.
▲ Insurance expert Liu Fenghe revealed to “Sanli News Network” the inside story of the suspension of the policy. (Photo / Obtained from Liu Fenghe’s Facebook)
Liu Fenghe said that many people really rushed to buy, and it was even said that some people in the south were expressing anger due to the queues, causing disputes and even fights. However, in addition to the appetite for Taiwanese products that may exceed the load this time around, the FSC also reminded the public that they should not try to profit from the insurance policy and emphasized that there are still exclusions for claims. It is to avoid unjust enrichment and crime. So far a lot of chaos has occurred.
● Chaos 1: administrative operations can be simplified
Liu Fenghe said that because there are too many buyers, there may be slight flaws in administrative procedures. For example, the seller must confirm that the insured person “visits personally” in accordance with the regulations, but there are too many people buying now, when Some sellers go to the company company number, hundreds of copies are issued. Of course, sellers cannot explain the contents of the insurance policy in detail to each applicant, nor can they carefully understand the background of each applicant. Then this can intervene in the FSC insurance line of defense. Therefore, Liu Fenghe believes that FSC can also specifically remind Taiwanese companies in this regard: “We must collect everything that needs to be collected, so that the epidemic cannot be controlled and the company cannot carry it.”
● Chaos 2: all overtime work in inside job, counter and business
Due to the influx of people, “I heard that even copiers have to print and print until they are sold out.” The back office, counter, and Taiwanese businesses work overtime, and some work overtime until 11 or 12 at night. Liu Fenghe said: “This overtime work may continue until the 29th, because insurance policies are still coming. I’m afraid even Taiwanese products cannot calculate how many policies there are.”
▲ Due to the influx of people, Taiwanese products work overtime in the administrative office, the counter and the businesses. (Image / data screen)
● Chaos 3: Selling Without “Property Insurance” Seller Ratings?
Because there are so many people who want to buy, they all ask their salespeople if they sell epidemic prevention policies. In fact, some sellers only have the qualifications of “life insurance” sellers and not “property insurance” sellers, but because the insured is actually Too many, through the cooperative relationship, to help deliver the goods , a piece can earn a commission of 20 to 40 yuan, this is really controversial.
As for the following, will other insurance companies launch simple anti-epidemic policies similar to those produced in Taiwan? Liu Fenghe said, “I think it’s possible!” It will even be more convenient if you open the internet for insurance in the future. The back office and sales staff will not have to work as hard, but everything must be approved by the competent authority.
Recently, the Chinese have purchased insurance policies against the epidemic. Because they pay 500 yuan a year, they can claim 100,000 yuan if they are isolated for treatment. This keeps shoppers flowing instantly, and people even flock to the Taiwan Insurance Company lobby to line up directly for purchases. It should be divided into 3 columns.
▲ People line up to buy the “epidemic prevention policy.” (Photo / Obtained from Facebook of the Explosive Commune)
Taiwan Property Insurance Company originally emphasized that it would not stop selling, but because there are too many people insured, to take into account the quality of service, protect the rights and interests of all policyholders and the risk appetite of the company, it issued a press release on the 22nd to announce that it will be From 5:00 pm on January 25, 110 (Monday), the acceptance of the products of the “Infectious Disease Prevention Expense Insurance” will be suspended.
▲ The Taiwan Products Insurance Company will stop accepting payment for the product “Infectious Disease Prevention Expense Insurance” as of 5:00 pm on January 25, 110 (Monday). (Photo / provided by Taiwan Property Insurance Company)
