“…1 The COVID-19 pandemic is characterized by sudden outbreak [ 20 , 23 , 24 ] and damage to human lung [ 12 ], gastrointestinal system [ 23 , 24 ], olfactory sensation [ 2 ] and pancreas [ 10 ], which causes the high infection rate [ 17 ] and morbidity [ 29 ] of COVID-19. Moreover, the factors that affect the incidence and severity of COVID-19 are not clear [ 15 , 16 ] and there is no standard antibody test for detecting COVID-19 antibodies during or after exposure or infection [ 15 , 16 ], which can lead to people’s perception of the high risk of infection and even death, especially when there are confirmed cases in a local city [ 4 ]. People will make corresponding decisions on the risk perception to implement loss control [ 27 ], and one of the most important ways is to purchase insurance.…”