互联网保险不可“责任看不清”

Core Viewpoint - The rapid digitalization of the insurance industry is leading to increased integration of internet insurance into everyday life, but this convenience is accompanied by risks as some platforms exploit technology to evade risk disclosures, undermining consumer trust and disrupting industry norms [1][2]. Group 1: Regulatory Environment - Regulatory authorities have issued multiple normative documents regarding internet insurance, establishing standards for information disclosure, sales processes, and product management [1]. - Despite these regulations, some internet platforms prioritize traffic and profit, using the guise of "technological neutrality" to evade their responsibilities for review and management, resulting in frequent marketing irregularities [1][2]. Group 2: Responsibilities of Internet Platforms - Internet platforms should not merely act as sales channels but must assume direct and specific gatekeeping responsibilities, ensuring compliance in product display and sales processes [2]. - Platforms must be held accountable as the "first responsible person" for the products they promote, rather than claiming to be just a channel to avoid regulation [2]. Group 3: Role of Insurance Companies - Insurance companies need to recognize their role in platform collaborations and should not irresponsibly approve products just to capture traffic, compromising product review and compliance [2]. - Clarity of contracts, transparency of terms, and user understanding should be integral to product design and evaluation mechanisms, ensuring that products serve their intended purpose [2]. Group 4: Trust and Transparency - The foundation of insurance is trust, and the application of technology must facilitate information transparency and fair transactions, rather than mislead consumers [2]. - To ensure that internet insurance is comprehensible and accountable, it requires the conscious effort of platforms, self-discipline from companies, and robust regulatory frameworks [2].