"Are you insured for this Mid-Autumn Festival? Can you get compensation if you can't see the moon? " Recently, an insurance company launched "Moon Appreciation Insurance", which attracted netizens to watch. Is it a gimmick or an early adopter? The public's attitude towards "enjoying the monthly insurance" is also mixed.
Shenyang has sold six copies of "Moon Watch Insurance".
The so-called "moon viewing insurance" means that according to the insurance regulations, if the insured can't see the moon in the designated city on the Mid-Autumn Festival, he can get a claim. This is also an insurance jointly launched by property insurance companies and online merchants.
According to the setting of "moon viewing insurance", it is divided into two grades. One of them insured 20 yuan. If the insured can't see the moon (that is, cloudy or rainy) due to the weather in the moon-enjoying city (Shanghai, Guangzhou or Shenzhen), he can get insurance compensation from 50 yuan; 99 yuan was insured for the second time, and the cities enjoying the moon included Shenyang, Dalian, Changchun, Harbin, Xiamen, Lanzhou and other 4 1 cities. If the insured can't see the moon in Moon Appreciation City due to weather, he can get the insurance claim of 188 yuan. The corresponding compensation amount will be remitted to the account of the insured. "Like shenyang, a file as long as 99 yuan. That is to say, spend 99 yuan to buy a' full moon insurance'. If the moon does not come out in the Mid-Autumn Festival, you can get compensation from 188 yuan. " The reporter consulted the relevant staff of property insurance. "In addition, no matter which level of the insured can enjoy the moon, he can still get the personal accident protection of 65,438+10,000 yuan, and the second-class insured can also get a box of branded moon cakes."
As of 5 o'clock last night, the reporter saw in the official flagship store of the insurance company's online merchants that on August 26th and 27th, Shenyang had sold six copies of "Moon Appreciation Insurance", indicating that there were 163 copies left in the inventory.
Is it a gimmick or an early adopter? compound
This kind of "moon-watching insurance" product that has been sold by online merchants, how to define that you can't see the moon? In the product introduction, the reporter saw that the claim for enjoying the moon will be judged according to the weather broadcast of Mid-Autumn Festival on September 13 in China Weather Network from 20: 00 to 24: 00. If the weather reports that the city is cloudy or rainy during this period, it is defined as not seeing the moon, and you can get a claim. If there are other weather conditions during this period, it is defined as seeing the moon. As for the method of payment, the amount of payment within 10 working days after the Mid-Autumn Festival will be paid by the insurance company to the Alipay account of the insured.
In this regard, netizens have different attitudes. Netizen @ Enterprise Trainer Liu Yuan: This is quite innovative. Before domestic futures can enter the weather field, insurance has actually started to act. Netizen @ There is a puppet in the dream: unreliable. It is based on the weather forecast. Actually, it's another matter not to see it. Besides, how do you define cloudy and cloudy days?
The relevant person in charge of an insurance company bluntly told reporters: "In fact, this is at most a gimmick. In fact, the insured can't get real benefits from it. Moreover, in the case of opaque and imperfect weather information, it is difficult for similar products to truly guarantee the interests of the insured. "
There are still business opportunities in the "weather insurance" market
"In this sense, the sale of' Moon-Watching Insurance' is actually more like an advertisement. The key is to collect some data, thus paving the way for the market in the field of' weather insurance' for a long time. " An insider believes that selling "moon insurance" is the second, and the real purpose is to value the future "weather insurance" market.
The staff of the Provincial Insurance Industry Association said that the so-called "weather insurance" refers to the insurance company providing compensation to the insured after an enterprise or individual suffers economic losses due to abnormal weather, especially in agriculture and entertainment. Judging from the successful experience of foreign countries, "weather insurance" does have unlimited business opportunities. In view of the change of weather, insurance companies can learn from foreign experience and develop some operable types of insurance. If there is "cherry blossom insurance" in Japan, the insurance company asks meteorologists to predict the specific date of cherry blossom opening in various parts of Japan this year. If the cherry blossom opening date is different from the insurance company's forecast, the insurance company will pay the insured.
The reporter learned that at present, many domestic insurance companies are preparing to get their hands on the cake of "weather insurance" and constantly study new types of insurance, such as wheat weather index agricultural insurance products, which have been planned to be reported to the China Insurance Regulatory Commission for the record. Other agricultural weather index insurance products will be piloted in two to three years, and it is planned to gradually expand the product development field.