Staying up an entire night to watch a 6:00 a.m. World Cup game can be risky, especially if you’re running on alcohol. Fortunately, Chinese insurers have got footie fans covered, depending on which kind of protection you need: “drunk insurance”, “night owl insurance”, “gourmet insurance” or “football hooligan insurance”?
With games in Brazil being broadcasted here in China well after midnight, insurers were quick to spot a new market and are taking advantage of it with some snazzy names to attract clients. SCMP reports:
“Night owl insurance”, valid for 30 days, covers medical and emergency expenses related to acute respiratory infections and includes a death claim of 10,000 yuan. It is offered by online insurance firm Zhong An, which also provides “drunk insurance”, covering the medical fees of over-enthusiastic fans suffering acute intoxication. Then there is “gourmet insurance”, which protects soccer lovers who may be laid low with acute gastroenteritis after over-indulging while watching the matches.
For those who plan to hang out late, they may choose “football hooligan insurance”, which is similar to accident insurance; claims can be made related to disability or death incurred, with part of the medical costs covered.
Drunk insurance has proved the most popular among the four, with 24 policies sold in more than one week through online platform Taobao, while just four football hooligan insurance policies were sold by Friday.
Some the more serious, like Xu Lin, a senior consultant at a life insurance firm, consider these new packages to be simply gimmicks.
Others worry about the frictions that they might create between insurers and clients if the insurance claim liability and conditions aren’t clear enough.
This market will likely boom as the end of the World Cup approaches, and the same can probably be said about fake doctors’ notes available on the shopping site. Essentially, Taobao is pretty much the reason all these women hate their boyfriends right now.
By Aliaume Leroy
[Image via SCMP]