Don't let "be insured" ruin the future of internet insurance
Bumper harvest
Why did you start deducting premiums without participating in the insurance?
Recently, a number of consumers reported that the elderly in the family were inexplicably deducted by a merchant named "Wukong Bao" without knowing it.
The investigation found that on the online complaint platform, this type of Internet insurance has become a hot spot for complaints, with complaints involving Wukong Insurance, Water Drop Insurance, Easy Insurance, and 360 Insurance.
(August 17 "China Consumer News")
Thanks to the Internet "express", Internet insurance business has developed rapidly in recent years.
According to data from the China Insurance Association, total Internet insurance premiums will achieve a compound growth rate of 65% from 2011 to 2020.
Under the epidemic, the advantages of Internet insurance have become more prominent, and it is believed that it will usher in explosive growth.
But at the same time, complaints about Internet insurance are also growing rapidly, which has attracted great attention from relevant parties.
Relevant data shows that in 2019, the China Banking and Insurance Regulatory Commission received 19,900 complaints about Internet insurance consumption, a year-on-year increase of 88.59%, which is 7 times the number of complaints in 2016.
In the first quarter of 2021, insurance consumption complaints statistics report, Internet insurance companies ranked the top 10 in terms of complaints.
It can be seen that while Internet insurance companies are developing rapidly, they are also troublemakers.
Take the above case as an example. While scanning a QR code to share a bicycle, an old man suddenly popped up an insurance advertisement from Wukong Insurance. He mistakenly thought it was the process of scanning the car, and clicked the link without knowing it. As a result, he was insured inexplicably. And automatic renewal.
After a consumer complaint, Wukong Insurance only refunds the fee for the current month, while the previous "insured" deductions will not be refunded on the grounds that "you have already enjoyed the protection".
To put it bluntly, this is a barbaric and domineering approach.
The consumer just clicked on the advertisement by mistake, neither did he understand the insurance business in detail, nor negotiate the content of the insurance contract, nor sign the agreement on the contract. Why should Wukong Insurance provide consumers with insurance and automatically deduct fees?
What is the difference between this practice of ignoring consumers' right to know, their right to choose, and their right to fair trading, and forced buying and selling?
my country's "Consumer Rights Protection Law" not only protects the above three rights of consumers, but also clarifies the obligations of operators, including the need to abide by social ethics, operate with integrity, and protect the legitimate rights and interests of consumers; if the standard clauses are used, they should be submitted in a conspicuous manner. Consumers pay attention to the contents of goods or services that are of major interest to consumers, and explain them in accordance with the requirements of consumers.
The "Insurance Law" also stipulates that the conclusion of an insurance contract should be agreed upon through consultation, and the rights and obligations of all parties should be determined in accordance with the principle of fairness.
The "Internet Insurance Business Supervision Measures" makes more detailed regulations.
It is not difficult to find out that “insured” is suspected of typical illegal operations, such as failing to draw consumers’ attention to the content of the contract and negotiating insurance contracts with consumers, to be suspected of breaking the law.
The above report also showed that there were as many as 2,957 complaints related to a certain Internet insurance product on a complaint platform. Most of them reflected that the product misled consumers to insure consumers by using 1 yuan in the first month as a bait, and the automatic deduction began in the following month. 100 yuan or even hundreds of yuan.
Experts believe that this is not in compliance with the law, and it is suspected of commercial fraud, and the product should be thoroughly treated.
In response to the various chaos in Internet insurance, the China Banking and Insurance Regulatory Commission recently issued the "Notice on Carrying out Special Rectification of Internet Insurance Disorders" to various banking and insurance regulatory bureaus, insurance companies, insurance intermediaries and insurance industry associations. The focus of governance includes misleading sales. , The masses and the market have strongly expressed other issues.
Obviously "being insured" is a misleading act of sales and deceives consumers.
Some research reports predict that the size of China's Internet insurance market will approach 3.3 trillion yuan in 2030.
However, if "insured" affects the public's trust in related companies and Internet insurance business, people may not dare to choose such products easily. If "insured" and other chaos cannot be completely controlled, the prospects of Internet insurance are very likely Deeply affected.