“0.6元投保”自动续费？小心互联网投保套路，老人易中招

Core Viewpoint - The rapid development of internet insurance has led to consumer complaints regarding misleading advertising and unauthorized automatic renewals, infringing on consumer rights and decision-making autonomy [1][6]. Group 1: Consumer Complaints - Multiple consumers reported receiving unexpected fee deductions for insurance policies they did not knowingly purchase, with some cases involving monthly charges exceeding 100 yuan [1][2]. - A specific case involved a consumer's father being charged 0.6 yuan for the first month and subsequently 127 yuan monthly without any signed contract, highlighting issues of unauthorized deductions [2][4]. - Complaints predominantly come from elderly individuals who may inadvertently engage with misleading advertisements while using online platforms [4][6]. Group 2: Company Practices - Yuanbao Insurance has faced multiple complaints regarding automatic deductions and misleading sales practices, with a significant number of complaints related to "link advertising" and "automatic renewals" [5][6]. - The company has been previously penalized by regulatory bodies for not adhering to proper internet insurance brokerage practices, indicating a pattern of regulatory scrutiny [6][7]. - Yuanbao Insurance employs marketing tactics such as "0.6 yuan for million medical insurance" which have been criticized for misleading consumers and complicating refund processes [6][7]. Group 3: Legal and Regulatory Context - Legal experts indicate that misleading advertising and unauthorized renewals by insurance providers violate consumer protection laws, emphasizing the need for consumers to be vigilant and informed [7]. - The Consumer Rights Protection Law prohibits deceptive practices, and consumers are encouraged to report grievances to relevant authorities if they encounter issues [7].