航旅纵横“赌博险”调查：9.9元押注“精准延误” 赔付率极低 专家称形似博彩游戏

Core Viewpoint - The article highlights consumer complaints regarding the misleading nature of the "Surprise Number" insurance product offered by the airline travel app, which requires precise timing for claims, making it nearly impossible for consumers to receive compensation [1][2][4]. Group 1: Consumer Complaints - Many consumers expressed frustration on social media about the "Surprise Number" activity, which requires flight delays to match a specific number of minutes exactly to qualify for compensation [1][2]. - The insurance product's design has been criticized for being misleading, as consumers typically expect delay insurance to compensate for delays exceeding a certain threshold [2][7]. - The marketing of the product has been described as exploiting consumer trust and understanding, leading to accusations of commercial fraud [1][8]. Group 2: Product Design and Probability - The product's requirement for exact timing has been deemed excessively stringent, with experts noting that the probability of a flight delay matching a specific minute is extremely low [7][10]. - A statistical analysis suggested that if delay times are uniformly distributed between 0-180 minutes, the chance of receiving compensation is only 0.56%, making the expected value of the product significantly lower than its cost [10][11]. - The design of the product has been compared to gambling rather than traditional insurance, as it lacks a reasonable risk-sharing mechanism [10][11]. Group 3: Regulatory and Ethical Concerns - Experts have called for regulatory bodies to clarify the boundaries of such insurance products and ensure that companies adhere to ethical marketing practices [1][12]. - The article emphasizes the need for greater transparency and fairness in the insurance industry, particularly in the context of internet insurance products [12][13]. - There is a growing concern that misleading products could erode public trust in the insurance industry, impacting its long-term sustainability [12][13].