上海消保委揭互联网保险产品四大问题，多家保险机构被点名

Core Insights - The evaluation conducted by Shanghai Consumer Protection Committee and Fudan University revealed four major issues in internet insurance products: misleading product names, insufficient information disclosure, non-compliant marketing practices, and lack of human customer service [1][2][4][8] Group 1: Misleading Product Names - Internet insurance products often use standardized and simplified designs, which can lead to misunderstandings about coverage limits and benefits [2] - For example, a product marketed as "million coverage" may only provide a limited benefit for specific incidents, misleading consumers about the actual coverage [2][3] Group 2: Insufficient Information Disclosure - Many internet insurance platforms fulfill their disclosure obligations superficially, using techniques like page folding and faint fonts to obscure critical information such as exclusions and waiting periods [4] - Consumers often find it difficult to access essential details about coverage, leading to potential misunderstandings about the products [4] Group 3: Non-Compliant Marketing Practices - Marketing strategies often emphasize high coverage and low premiums while downplaying critical limitations, resulting in consumer misconceptions about the products [5][7] - For instance, promotional claims may not align with actual policy terms, leading to confusion and impulsive purchasing decisions [5][7] Group 4: Lack of Human Customer Service - Many platforms lack adequate human customer service, relying heavily on automated systems that fail to address complex inquiries effectively [8][9] - The absence of human interaction can hinder the establishment of trust and proper understanding of insurance products, which are inherently complex [9] Recommendations - The Shanghai Consumer Protection Committee suggests establishing industry standards for the visibility of user information on insurance sales pages to ensure that critical information is clearly presented [9] - Platforms should incorporate mechanisms for confirming key terms and enhancing user understanding of insurance products, while insurance companies should focus on improving product clarity and customer service [9]