China News Service, Beijing, September 26 (Zuo Yuqing) "The elderly at home were recruited, and the fee was automatically deducted for a few months. After communicating with the customer service for a few days, there was no feedback." Recently, many consumers said that they The parents were "insured" without knowing it.
"I don't know when I was insured"
"On September 22nd, my father received a deduction reminder on WeChat inexplicably, showing that 155 yuan was deducted by the'Wukong Insurance'." Deng Yu (pseudonym) told Chinanews.com that his old man had been "insured". .
"My father said he didn't know when he took out the insurance, and he didn't fill in personal information." But Deng Yu found after searching the phone records that he had been deducted 1 yuan by Wukong Insurance on August 9. She said, My father is not proficient in the use of smart phones, so he may have been recruited and mistakenly voted for the "1 yuan insurance".
According to the introduction of Wukong Insurance's mini program, Wukong Insurance is only a third-party insurance intermediary agency.
The insurance that Deng Yu's father was "insured" was actually underwritten by Taikang Online.
"Taikang Online's customer service insisted that my father had filled in his personal information, and repeatedly refused to return the full payment request." She said.
Chinanews.com noticed that in Wukong Insurance’s small program, only the ID number and mobile phone number are required to apply for insurance. After entering the mobile phone verification code, the page will automatically jump to the payment interface, and even the "Insured Now" confirmation button No point is needed.
When inquiring to the customer service, Wukong Insurance Customer Service stated that there are instructions for applying for insurance on the insurance application page, and the insured can read it carefully according to their own situation and choose to apply for insurance.
In fact, the "Insurance Clause" and "Insurance Instructions" on the insurance page are all ticked by default.
The insurance application interface in the Wukong Insurance Mini Program will immediately jump to the payment interface after entering the verification code.
Deng Yu's experience is not alone.
In the black cat complaints, there are more than 5,000 complaints about Wukong Bao.
Most of the complainants stated that they were automatically insured and deducted without their knowledge, and it was difficult to surrender the insurance and refund.
On social platforms such as Weibo, many netizens also said they have experienced the same situation.
Chinanews.com found that in these complaints, many consumers only paid 1 yuan for the insurance in the first month, followed by automatic deductions ranging from tens to hundreds of yuan per month. Part of it is the elderly at home.
According to the complaint, some consumers were "successful" when they scanned the code to share the device or the health code; more people reported that they did not know when they were insured, and they knew they were insured after receiving the deduction reminder. The "hesitation period" for insurance has already passed.
"A 35% handling fee will be charged for surrendering the insurance"
In the subsequent surrender process, in addition to the difficulty of getting through the customer service phone, the surrender procedures are also very cumbersome. Many netizens said, “You need to fill in the ID number, mobile phone number, bank card number, and perform face recognition to surrender the insurance. I didn't fill in anything when I was pitted." "There is no way to surrender the insurance in full. The customer service said that a 35% handling fee will be charged."
In this regard, some consumers expressed doubts, “Even if you surrender the insurance after a mistaken investment, the platform can make money. This is obviously a routine.”
Consumer complaints on the complaint platform.
"General traditional insurance needs to confirm the first civil capacity and physical health of the insured person. In comparison, the insurance liability of Internet insurance is relatively simple. Simplify insurance procedures." Ms. Li, a regional manager of an insurance company, told Chinanews.com.
She said that in accordance with the regulations, general life insurance can only return the "cash value" of the policy at the time of surrender. This also means that once the insurance is successful, it is difficult for consumers to surrender the insurance in full in subsequent surrenders.
Supervision shot! Induced insuring advertisements, completely stopped
In response to the phenomenon that elderly people are easy to step on insurance traps, Ms. Li said that insurance advertisements implanted in some consumer scenes are to a certain extent taking advantage of the “blind spots” of consumers’ attention to attract traffic.
"Young people may still be carefully screened, but for the elderly, the operation of smart phones is more complicated. It is likely that they may accidentally click on the insurance because they cannot understand or operate improperly, which will trigger consumer complaints and disputes. It is recommended to check the age of the insured person. Restrictions, so as to avoid losses caused by mistaken investment by the elderly."
Scanning QR codes to share bicycles has become one of the insured consumption scenarios.
Data map.
Regarding the advertising chaos that induces insurance, on August 25, the Beijing Banking and Insurance Regulatory Bureau issued a notice requiring insurance companies and professional insurance intermediaries to stop publishing Internet insurance marketing advertisements that have excessive marketing and consumption inducing problems in Beijing. , Including but not limited to "1 yuan in the first month", "1 yuan upgrade", "free insurance", "physical lottery", "limited time suspension" and other inducing and misleading content, as well as unclear advertising logos, inconspicuous close buttons, Ads that induce clicks and other problems on the entire screen.
Have you been "insured"?
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