"1 yuan guarantee" deposit induces marketing fee refunds, and the China Banking and Insurance Regulatory Commission will seriously investigate and punish violations
Guangzhou Daily News (all-media reporter Zhao Fangyuan) In response to the recent "1 yuan guarantee" chaos, on March 21, in a report by CCTV Finance, the China Banking and Insurance Regulatory Commission responded: "Immediately study, immediately initiate an investigation, and seriously investigate and punish "Wukong" The violation of laws and regulations by insurance companies and insurance intermediary companies involved in “guarantee”, and protect the legitimate rights and interests of consumers.
The reporter noticed that the chaos of "one yuan guarantee" has existed for a long time, and most of the problems focus on suspected false propaganda, induced consumption, and difficulty in surrendering insurance. Many elderly and young people have complained that they have been "routine".
According to the industry, the operation methods of Internet insurance and traditional insurance are very different, but the healthy development of the market still requires rational and self-disciplined insurance institutions and prudent consumers.
Logging into the black cat complaint platform shows that as of March 23, there were 7,813 complaints about "1 Yuan Bao"; 9,527 complaints about "Wukong Bao".
Most of the complaints focused on suspected false propaganda; using 1 yuan insurance as a gimmick to induce users to apply for insurance; automatic deduction of fees without the parties’ knowledge; difficulty in surrendering insurance, etc.
Many of the "insured" in the complaint are elderly people.
A user reported that his father's WeChat was inexplicably deducted by "1 yuan insurance" for 7 consecutive months. WeChat payment was bound to a bank card, and only 181 yuan was refunded by calling the insurance company.
I hope that the other party will return the insurance premium of 2244.2 yuan for 7 months and the insurance premium of 1 yuan for the previous month, totaling 2245.2 yuan.
In addition, there are many young people who said that they also unknowingly participated in the insurance behavior in the process of borrowing power banks or sharing bicycles.
The reporter noticed that the "Wukong Insurance" and Firefly Health Insurance were named by CCTV for being suspected of the "1 yuan in the first month" insurance trap.
According to the official website of “Wukong Insurance”, Beijing Wukong Insurance Technology Group Co., Ltd. (referred to as “Wukong Insurance”) was established in August 2015. In 2016, it obtained the license of insurance broker and insurance agent, and started the auto insurance business.
"In recent years, the Internet insurance industry has ushered in rapid development. The operation mode of Internet insurance and traditional insurance is very different. The Internet insurance part adopts the traffic thinking of Internet e-commerce, and there are marketing behaviors such as 'one yuan insurance'." Tsinghua University Zhu Junsheng, research director of the China Insurance and Pension Research Center of the PBC School of Finance, said that the healthy development of the market requires rational and self-disciplined insurance institutions and prudent consumers at the same time.
For a mature insurance institution that adheres to long-termism, it can adopt the traffic thinking of Internet e-commerce, and at the same time, it is necessary to further regulate its business behavior and fully inform consumers of important information such as the overall premium payment status; for a rational consumer, Careful decision-making should be made after comprehensive assessment of insurance information.