“就医补助”成保险销售诱饵！持牌经纪设局，消费者被扣数百元

Core Viewpoint - The article highlights a growing trend of fraudulent insurance sales tactics disguised as "medical subsidy claims," where consumers are misled into purchasing insurance products through deceptive phone calls and messages [1][4][9]. Group 1: Fraudulent Tactics - Consumers receive phone calls claiming they have unclaimed medical subsidies, leading them to a WeChat public account where they are instructed to input a code and make a small payment, only to find larger amounts deducted for insurance purchases [4][10]. - The sales representatives use misleading language to confuse consumers about the nature of the products, often mixing up commercial insurance with basic medical insurance, which exploits consumers' concerns about healthcare [10][11]. Group 2: Specific Cases - A case study of a consumer named Zhao Ming illustrates the process: after a 6-minute call, he was charged 0.6 yuan, 62.55 yuan, and 626.13 yuan for two insurance policies without his explicit consent [6][7]. - Another consumer, Zhang Min, experienced a similar situation where she was misled into believing she was receiving a medical subsidy, only to be directed to a page for purchasing insurance [8][9]. Group 3: Regulatory Concerns - The article points out that the insurance companies involved, such as Tian Tian You Bao and Ai Bang Insurance Brokerage, are licensed but have engaged in practices that violate consumer protection regulations [14][15]. - Experts emphasize that insurance companies have a responsibility to manage and regulate their sales channels to prevent misleading practices that harm consumers [16][17].