The prolonged COVID-19 pandemic, lasting about three years, has brought significant damage to Taiwanese society. Apart from the loss of lives, there have also been major property losses, such as inflation and business closures. The so-called "chaos of epidemic insurance policies" can be described as a disaster. Although it did not directly affect the general public, it had a severe impact on property insurance companies and caused profound consequences. This article will briefly explain the background and causes of this event from the perspective of property insurance operations, as well as its future implications. Furthermore, on the surface, the "chaos of epidemic insurance policies" may seem like an isolated industry incident. However, its impact will eventually extend beyond the industry itself and affect the entire society. Similar to the current popular social event of the "rice chaos," both incidents share the same essence. They involve consumers exercising their rights based on the promises or contracts made by businesses, resulting in disputes. Since consumers are justified in their actions, why do these situations end up in "chaos"? What kind of impact will this "chaos" have on society? This article attempts to analyze the subsequent effects of the event and evaluate whether this behavior, which is justified from a logical standpoint, is moral or immoral from a Buddhist perspective.
