The spread of the new SARS-CoV-2 virus and the new infectious disease COVID-19 has actualized the problem of protecting the interests of life and the state of health of citizens. The effects of the new disease on the human body are not limited to temporary disability. They can also be disability and death. In conditions of the unfavorable epidemiological situation and the general information escalation of this problem, citizens were unable to assess their risks and their consequences. Succumbing to general panic, people begin to look for a kind of the universal solution in conditions of limited time for making a decision. In the current conditions, insurance companies have begun to develop and launch new insurance products that are associated with the risk of a new coronavirus infection. In our study, we conducted an analysis of the assortment of insurance products that protect the financial interests of households from the effects of the disease with a new coronavirus infection. The population and enterprises in conditions of growing stress and negative expectations showed an active interest in the innovations of insurers. As a result of the study, we concluded that "coronavirus" insurance is only a marketing move by insurers. There was a contradiction in the expectations of customers with the proposals for insurance coverage of insurers. Also, in this study, we try to show the problem of the moral and ethical side of insurance and its impact on the degree of public confidence in insurance in Russia
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31 March 2022
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Ageeva, E. V., Kuznetsova, N. V., & Stepanova, M. N. (2022). Covid-19: The Response Of Insurers And Service Consumers. In & I. Savchenko (Ed.), Freedom and Responsibility in Pivotal Times, vol 125. European Proceedings of Social and Behavioural Sciences (pp. 957-966). European Publisher. https://doi.org/10.15405/epsbs.2022.03.114