“百万”保额仅保一万？当心互联网保险藏“暗礁”

Core Insights - The rise of internet insurance is attributed to its convenience, allowing consumers to complete the entire process from purchasing to claims online, but issues such as "easy to purchase, difficult to claim" have been reported by some consumers [1] Group 1: Product Issues - The evaluation revealed that product names can be misleading, such as the "Personal Million Comprehensive Accident Insurance," which implies a coverage of up to one million but actually offers only 100,000 for accidental death or disability and 10,000 for medical compensation [2] - There is a discrepancy between the actual coverage and the promotional claims, with some products highlighting benefits like "no health status restrictions" while failing to deliver on these promises [3] Group 2: Information Disclosure - The assessment found that many internet insurance products lack comprehensive information disclosure, leading to a mismatch between marketing claims and actual benefits [3] - The evaluation involved 10 major internet insurance sales platforms and 35 insurance companies, covering a total of 150 insurance products, including 80 medical insurance, 30 critical illness insurance, and 40 accident insurance products [3]