【民生调查局】低价旅游变天价陷阱，记者调查保险公司“杀熟”套路与维权困局

Core Viewpoint - The article highlights the prevalence of low-cost tour groups organized by insurance companies, which often lead to forced shopping experiences for participants, raising concerns about consumer rights and the integrity of the travel industry [1][10]. Group 1: Low-Cost Tour Groups - Various insurance companies have become heavily involved in organizing low-cost tour groups, which are often criticized for their forced shopping practices [4][6]. - Participants in these tours report being pressured to spend significant amounts of money, with some individuals spending up to 18,000 yuan during trips [5][10]. - The tours often feature a set itinerary that includes multiple shopping stops, with guides enforcing spending quotas on participants [4][6]. Group 2: Consumer Experiences - Many consumers have shared negative experiences on social media, detailing how they or their family members were coerced into making purchases during these tours [3][4]. - Reports indicate that some tourists faced threats regarding their return travel arrangements if they did not meet spending requirements [5][10]. - The pressure tactics employed by guides include emotional manipulation and intimidation, particularly targeting elderly participants [5][10]. Group 3: Industry Practices - The collaboration between insurance companies and travel agencies has raised questions about ethical practices, with allegations of collusion to maximize profits at the expense of consumers [6][10]. - Some insurance companies reportedly receive kickbacks from travel agencies based on the amount spent by tourists, further complicating the consumer's position [6][10]. - The lack of regulation and oversight in the travel industry allows for the proliferation of unlicensed travel agencies that exploit consumers [11][12]. Group 4: Regulatory Response - The Chinese government has recognized the issue of forced shopping in low-cost tours and has initiated measures to combat these practices, including a year-long campaign to address violations [13]. - Regulatory bodies have highlighted the need for stricter enforcement against travel agencies that engage in deceptive practices, including changing itineraries without consent [11][13]. - Legal experts emphasize that consumers have the right to defend themselves against forced shopping and can pursue legal action if their rights are violated [13].