游客被机场“好心人”套路：无牌机构设下保险推销连环局

Core Viewpoint - The article highlights a concerning practice at airports where individuals posing as staff sell insurance products under misleading circumstances, raising questions about the legitimacy of their operations and the potential risks to consumers [1][4][10]. Group 1: Incident Description - A passenger, identified as Xi Jie, experienced a deceptive insurance sales tactic at an airport where she was persuaded to purchase an aviation accident insurance policy without her consent, with the premium going to a company named Jiangxi United Online Technology [1][3]. - The sales process involved staff checking her ticket app and claiming she had unnecessary services, leading her to believe she needed to purchase insurance to resolve the issue [2][9]. - The insurance was sold under the guise of helping her cancel unwanted services, but it was later revealed to be a tactic to push the insurance product [5][9]. Group 2: Company Legitimacy - Investigations revealed that Jiangxi United Online Technology lacks any verifiable insurance sales qualifications, raising concerns about its operations and the legality of its sales practices [4][5]. - The airport confirmed that the sales personnel were from an outsourced company, but there was no evidence of the company having the necessary insurance intermediary licenses [5][11]. - Legal experts indicated that the lack of qualifications could lead to significant risks for consumers, including the potential invalidation of insurance policies due to improper underwriting [5][12]. Group 3: Regulatory Concerns - The article discusses the regulatory framework surrounding insurance sales, emphasizing that sales personnel must disclose their identity and provide clear information about the insurance products being sold [6][12]. - There are strict requirements for insurance sales processes, including the necessity of providing a customer information document and ensuring that premiums are paid directly to the insurance company [7][12]. - The article suggests that the airport's management may be failing in its duty to oversee the activities of outsourced personnel, allowing misleading practices to occur [11][12]. Group 4: Consumer Reactions - Many consumers have reported similar experiences of being misled into purchasing insurance at airports, indicating a broader issue within the industry [10][11]. - Social media complaints reveal a pattern of deceptive practices where passengers are approached by individuals in uniforms who misrepresent their roles and the nature of the services offered [10][11]. - The article concludes that there is a pressing need for better regulation and oversight of insurance sales practices at airports to protect consumers from such deceptive tactics [12][13].