What is "high temperature risk"? Is it reliable? How much can I buy at most?

I heard from a friend that there is now a "37℃ high temperature insurance" for individuals. How can I buy this? Under what conditions can I apply for a claim? Is the procedure troublesome?

A: Hello. This "37℃ high temperature insurance" is the first domestic high temperature insurance product launched by Zhongan Insurance. It is currently sold at Zhongan Insurance's Tmall flagship store and Zhongan Insurance's official WeChat account. Each premium is RMB 10, and you can enjoy insurance benefits of up to RMB 100. This insurance basically covers 30 major high-temperature cities across the country. If you want to buy it, you can first go to their flagship store to check whether your city is within the scope of its insurance city.

When you purchase 37℃ high temperature insurance, once the cumulative number of days when the daily maximum temperature exceeds 37℃ in your city exceeds the agreed number of deductible days (the number of deductible days in each city is different), every additional day after that occurs On days with high temperatures above 37°C, the insured can receive a daily high temperature subsidy of 5 yuan per policy, and each policy can receive a maximum of 100 yuan in insurance benefits. What needs special emphasis here is their claim settlement process. Unlike ordinary insurance, you need to apply for a claim yourself, and you do not need to provide any information throughout the process. The insurance company will automatically calculate based on the actual temperature data and press the button when the claim conditions are met. Insurance premiums are paid instantly every day, so the procedure is relatively simple and convenient.

My city is Beijing. The following is a calculation method for purchasing this insurance. I hope it can be used as a reference:

I spent 50 yuan on Zhongan Insurance. The cat flagship store purchased 5 37℃ high temperature insurance, which means the total insurance amount is 500 yuan. Assuming that 10 high temperature days exceeding 37℃ occur within the insurance period (June 21 to August 23), that is, after deducting 6 days of deductible days (the number of deductible days is different in each city), I* **You can get insurance compensation of 100 yuan (4 days*25 yuan/day=). According to the current high temperature weather trend in Beijing, if I buy this insurance, I will definitely make a profit without losing any money.