The essence of insurance is "loss compensation (damage compensation)", which is a system of self-help, mutual assistance and kindness. Unexpectedly, property and casualty insurance companies have invested heavily in business opportunities due to the epidemic. Also add a bit of gambling greed. This is contrary to the purpose of insurance, it is difficult to avoid accidents, and it will also drag down related affairs around, and thus affect the epidemic prevention work. At present, the damage of the epidemic and the epidemic prevention policy is still expanding, and the situation of both harms is still continuing. How to solve it? It is necessary to know the disease in advance.
Many advanced people have raised the root causes of the chaos of many epidemic prevention policies, such as bad luck and a big outbreak, too little actuarial experience, policies from zero to coexistence, quick screening positive equals diagnosis, consumers photo retouching Repeated purchase of insurance... These are indeed the root causes of problems, but most of these problems also exist in other countries. Why is it only Thailand and Taiwan where a large number of people are dissatisfied? Because only these two places sell insurance as lottery tickets. Even in the life insurance industry in Taiwan at the same time and under the same environment, the anti-epidemic policies it sells have many restrictions, and the lottery smell of "gambling to win or lose" is relatively low, so there is not much injury.
Simply put, regardless of domestic and foreign epidemic prevention insurance, "sell insurance as a lottery ticket" will cause an accident, otherwise it will be fine. It is obvious that the deep root cause of the epidemic prevention policy chaos is "selling insurance as a lottery ticket". Once the cause of the disease is known, the practitioners should let go of the attitude of gambling and win or lose, return to the nature of insurance’s kindness and mutual assistance, and then give full play to the management skills, so that underwriting and claims settlement can be carried out