Internet insurance has a new pit of "free insurance"
Consumers claim that after the expiration of the free service experience, they are automatically deducted for renewal without knowing it
Our newspaper reported on July 19 that "How bad is the insurance of "1 yuan in the first month"?"
The automatic "deducted fee" will be as high as 3145 yuan a year."
On August 26, the Beijing Banking and Insurance Regulatory Bureau issued the "Notice on Special Remediation of Internet Insurance Marketing and Propaganda Issues in Beijing". Internet insurance marketing disorder such as "1 yuan in the first month" was explicitly ordered to stop.
Recently, a reporter from the Beijing Youth Daily found that the highly criticized insurance marketing of “1 yuan in the first month”, “zero down payment”, and “only X yuan in the first month” has been difficult to find. The persistent problem of deductions has not been completely eliminated.
Many consumers complained that they received disguised "free insurance" on an Internet insurance platform-such as "after experiencing three months of free service", the insurance company automatically deducted the payment, and the consumer was "insured without knowing it" ".
Supervision
Marketing models such as "free collection" have been banned many times
According to the "Notice on Carrying out the Special Rectification Work for Internet Insurance Chaos" issued by the China Banking and Insurance Regulatory Commission, in terms of sales, "zero down payment", "low down payment", "only X yuan in the first month", "free gift", "free receipt"" "Limited sale, limited time, limited amount", "remaining X copies", and "red envelope subsidies" have all been marked with red lines.
On August 26, the Beijing Banking and Insurance Regulatory Bureau issued a document stating that insurance companies and professional insurance intermediaries should completely stop publishing Internet insurance marketing advertisements in Beijing that have excessive marketing and consumption-inducing problems, including but not limited to "1 yuan in the first month" Inducing and misleading content such as "1 yuan upgrade", "free insurance", "physical lottery", and "stop sales for a limited time".
survey
Consumers "sleeve" personal information is snatched
During the investigation, a reporter from the Beijing Youth Daily found that because "free insurance" has been banned, the disguised "free insurance" is still a lot of routines. "Major illness protection limit", and some are "medical reimbursement of 6 million free experience for 2 months", and the consumer's personal information is captured without telling the information.
Consumer Ms. Yu told the Beijing Youth Daily that when she browsed on a well-known Internet platform, she often popped up an advertisement stating that you have received a critical illness insurance limit of 168 yuan-compensation for major diseases, "up to 10,000 yuan".
Out of curiosity, she clicked to agree to "receive for free", and there is no need to enter any information afterwards. The system has automatically imported her personal information such as her ID card. What surprised her most is that it also includes personal information such as her family and children. The page is imported.
Ms. Yu was worried about the potential risks, but she couldn't find a button on the page to give up the "free receipt" insurance.
Calm down and look again. At the bottom of the "Free Claim" page, there is only a line of small words saying "Read and Agree", and there are three blue links: "Insurance Clause", "Insurance Instructions" and "Platform Service Agreement".
Click on the links of "Insurance Clause", "Insurance Instructions" and "Platform Service Agreement", and you will find that there are thousands of words in each article. It takes at least 10 minutes to read and understand carefully.
However, this place does not display an empty box that needs to be drawn by consumers, and there is no need to click "Agree" or "Yes" at all. Here is the direct default consent option.
In other words, Ms. Yu only clicked the "Receive Free" button, and she took out an insurance called "Good Medical Insurance · Free Medical Benefits" without knowing the situation at all.
The coverage of this insurance is 10 yuan.
Case study
Automatic deduction for renewal after the gift insurance expires
Consumer Mr. Wang complained to Black Cat that he automatically renewed and deducted the free insurance experience business under unknown circumstances.
In April of this year, Mr. Wang was given three months of free experience service of "Good Medical Insurance" insurance on an APP.
After that, Mr. Wang uninstalled the software.
On September 7, Mr. Wang's amount on the APP was insufficient, and he automatically used a certain loan service to deduct money without permission.
Mr. Wang found out after inquiring about consumption information that without notice or inquiry in July, a so-called "insurance policy" took effect from July 22 and was automatically deducted on July 15.
Automatically renew to one year and start deductions.
On July 15th, Mr. Wang did not receive a call or text message about the insurance and deductions.
Expert opinion
Consumers who find a wrong purchase should promptly surrender the insurance during the hesitation period
Song Zhanjun, deputy secretary-general of the Insurance Research Center of Beijing Technology and Business University, said in an interview with a reporter from Beiqing Daily that since the "first year of Internet insurance" in 2013, with the rapid development of Internet insurance business and the rapid changes in the Internet insurance market, the Internet insurance industry has violated regulations. Problems continue to arise.
The China Banking and Insurance Regulatory Commission and local banking and insurance regulatory bureaus conducted supervision through risk warnings, standardized supervision measures, and product notifications.
The problems in the Internet insurance field are also long-standing problems in the entire insurance industry, and are the transition pains that exist in the rapid development of my country's insurance industry.
Beijing Youth Daily: In the development of Internet insurance, there are various problems such as irregular operations and side-by-sides. Infringement of consumer rights has been repeatedly complained. In which aspects should the regulator strengthen supervision and regulation in the future?
Is there a "blank" in the law?
Song Zhanjun: Since the "first year of Internet insurance" in 2013, with the rapid development of the Internet insurance business and the rapid changes in the Internet insurance market, related violations of the Internet insurance industry have continued to appear.
The China Banking and Insurance Regulatory Commission and local banking and insurance regulatory bureaus conducted supervision through risk warnings, standardized supervision measures, and product notifications.
The problems in the Internet insurance field are also long-standing problems in the entire insurance industry, and are the transition pains that exist in the rapid development of my country's insurance industry.
In this special rectification of Internet insurance chaos, the China Banking and Insurance Regulatory Commission and the China Banking and Insurance Regulatory Bureau have clearly pointed out issues such as excessive marketing and inducing consumption. In particular, the Beijing Banking and Insurance Regulatory Bureau will greatly regulate the Internet insurance market by setting out violation scenarios and other methods.
In the next step, supervision should continue to track the Internet insurance market, and deal with new problems that arise in a timely manner through notifications, window guidance, and on-site inspections.
With the special rectification of Internet insurance chaos, the China Banking and Insurance Regulatory Commission is expected to further refine the supporting documents of the Internet Insurance Regulatory Measures, fill in the shortcomings of the Internet insurance regulatory system, and issue Internet life insurance and property insurance classification and classification management methods as soon as possible to provide the Internet The healthy and sustainable development of the insurance industry has laid a solid regulatory foundation.
Beijing Youth Daily: How do you think Internet insurance companies should strengthen self-discipline and compliance operations?
Song Zhanjun: At the beginning of the creation of the Internet insurance industry, operating institutions have grown in scale with the help of explosive products, promotional offers, and especially the rapid growth of the industry.
Now, the Internet insurance industry has entered a stage of fierce market competition, the dividends of Internet insurance have been exhausted, and the transformation of the Internet insurance industry has gradually been put on the agenda.
The rectification of chaos by the China Banking and Insurance Regulatory Commission will accelerate the transformation of the industry and provide it with a standardized and stable market environment.
The transformation and innovation of the Internet insurance industry will shift from focusing on selling insurance products to focusing on providing customers with high-quality services, turning traffic advantages into service capabilities.
At present, emerging technologies such as the Internet, blockchain, cloud computing, and artificial intelligence are only used in insurance operations. In order to control business risks and enhance market competitiveness, business organizations should conduct product development, risk control, asset management and other aspects. Intelligent application, development of innovative Internet insurance products, give full play to the advantages of the Internet, and strive to create a digital ecosystem.
Beiqing Daily: For consumers, how to avoid the "pits" dug by businesses? Is there a simple way to identify and judge?
Song Zhanjun: From the perspective of consumers, we should learn about insurance products in a variety of ways, increase insurance awareness, and have a comprehensive understanding of insurance products and insurance prices.
Once the wrong purchase is found, the insurance should be surrendered in the hesitation period in time, and the relevant violations should be reported and complained.
This group of articles / our reporter Lin Lishuang
Coordinator/Yu Meiying