A man in Changchun bought "epidemic insurance" and was refused compensation after being positive. Who is wrong in this matter?

I think the insurance company is wrong, because the man has been clearly diagnosed and isolated at home, but the insurance company still has to find reasons to refuse to pay compensation, which is obviously deceptive. As early as the outbreak of the epidemic, China Banking and Insurance Regulatory Commission explicitly prohibited any insurance company from developing insurance products related to the epidemic, but similar insurance products still appeared in the market. Even if it appears, the insurance company is not willing to bear the corresponding liability for compensation, which is even more irritating. Insurance has now become a derogatory term, and it is not the applicant but the company that causes this consequence.

The details of this matter.

Mr Tian lives in Changchun, Jilin. There was an COVID-19 epidemic in this province, and the social situation was tense. Mr. Tian specially bought a Pacific insurance policy to reassure himself. I think if I accidentally infect COVID-19, I can get some protection. According to the insurance policy, if COVID-19 is diagnosed, he will pay 20,000 yuan, because when COVID-19 died, he will pay 350,000 yuan, 200 yuan allowance every day during isolation, 100 yuan every day during hospitalization, and 500 yuan allowance every day when he is admitted to ICU.

Later, Mr Tian and his wife really unfortunately infected COVID-19. When they wanted to apply for compensation with a positive test report, they were rejected. The staff told Mr. Tian that being positive does not mean being diagnosed, and it is probably asymptomatic. Isolation is not home isolation, it needs to be isolated in the receiving hospital. Mr. Tian does not meet the compensation conditions and will naturally not pay. Later, he also went to a medical institution to get a medical certificate, but he was busy outside for a long time and finally couldn't get the money.

Netizens said that the routines of insurance companies are endless. Before buying insurance, they treat you as a parent, but after buying insurance, they leave it alone. I don't want to answer questions patiently even when I meet them. When the applicant is asked to apply for compensation, he will chew over a book and ask the applicant to provide all kinds of certificates in order not to pay compensation.