Did Sunshine Insurance have any business in COVID-19 during the epidemic?

In early February, Sunshine Life extended the insurance liability of 12 critical illness insurance products. That is, after the contract comes into effect, if the insured is diagnosed as novel coronavirus, he will pay an additional 30% of the basic guarantee for major diseases. The original insurance liability remains unchanged, and the validity period of the liability is extended to April 30th. On February 4th, Sunshine Life completed the first payment.