Can Positive Rapid Test Result Serve as COVID-19 Confirmation for Insurance? 快篩陽視同確診 引防疫保單失效疑慮

The Central Epidemic Command Center's latest revision on COVID-19 guidelines states that positive rapid test result are now considered as confirmation for COVID-19. Many wonder how rapid test results can be used as claim for COVID-19 insurance. The Non-Life Insurance Association said this situation is currently under discussion. 


The doctor is teaching the person through video calls on how to administer the rapid test and make sure if the person has tested positive. The Central Epidemic Command Center has announced starting on Wednesday, May 12, individuals who test positive with rapid test kits would be considered as a confirmed case once the test result is verified by medical personnel. However, some doctors worry about the loopholes.

Zen Lin, Chair, ROC Primary Care Association: “If someone wants to get compensated from insurance, he or she could just take anyone's positive rapid test result and say that it's his or hers, then what? Taipei City's statistics show that almost 90 percent of positive rapid test results turn out to be positive after PCR tests as well. So if you are worried about fake positives, you can do two rapid tests to confirm.”

People rushed to buy COVID-19 insurance plans as the pandemic started to surge again in Taiwan. However, the government has given up on the zero-COVID strategy and is now working towards co-existing with the virus. Many people worry that COVID-19 insurances would stop working now that rapid test results are to replace PCR tests for COVID-19 confirmation.

Lu I-ching, Insurance broker: “I asked Hotai Insurance and others. Their response was that home quarantine is not considered hospitalization. Fubon Life Insurance said, however, that home quarantine for them is considered hospitalization. Many of my clients say, "What is the use of buying these insurances after all?" People need to stay at home for quarantine once they have tested positive, it's not like they can still go to public places or go to work.”

The Financial Supervisory Commission is asking the insurance association to come up with clear and updated guidelines for claiming compensation as soon as possible, to state whether positive test results can replace PCR test results from the hospital as proof of getting COVID-19. The Non-Life Insurance Association had said on the 5th that they will discuss quickly on this. 

 

 

 

在視訊電話的另一端,按照醫師的指示一步一步進行快篩檢驗,要來重複確認自己是否已經確診,因為指揮中心宣布,從下週三5月12日開始,居家隔離、自主防疫、居家檢疫對象使用家用抗原快篩試劑檢測為陽性,且經醫事人員確認後,即為確診。但有醫師擔憂,確認快篩陽性有不少技術性問題待克服。

基層醫療診所協會理事長林應然說:「如果他為了取得保險給付,把一個陽性確診者的這個結果,拿來說他是一個陽性的確診者,那怎麼辦?台北市的統計,快篩陽幾乎90%都是PCR陽性,如果你擔心偽陽性的問題,你可以做兩次的快篩。」

事實上在本土確診數攀升的同時,不少民眾都爭相簽約防疫保單,只是現在指揮中心放棄清零,選擇與病毒共存方向前進,面對快篩陽即確診將上路,也讓許多人憂心防疫保單恐就此失效。

保險經紀人呂怡靜說:「現在的防疫保單,我有問過和泰,也有去問過其他家保險公司,他並沒有放寬說居家隔離視同住院,可是目前問到有一家是富邦產險,他是居家隔離就視同住院。我有接到蠻多客戶說,那我買這些保單要幹什麼,那如果你是陽性,應該還是要居家隔離,不可能說你陽性了,還可以四處去公共場所、去上班。」

究竟「快篩陽性即確診」是否可作為防疫保單確診的理賠依據,金管會已要求產險公會儘快訂出相關理賠指引,而產險公會5日晚間則發表聲明指出,由於事出突然,暫時保留立場將盡速研議。

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