航旅纵横9.9元“延误险”被指像彩票

Core Viewpoint - The "Surprise Number" activity launched by the travel app "Hanglv Zongheng" has sparked controversy due to its stringent claim conditions, leading consumers to label it as a "lottery-style marketing" scheme [1][4][5]. Summary by Relevant Sections Product Overview - The "Surprise Number" insurance product requires users to pay 9.9 yuan to participate, with a chance to receive a 300 yuan allowance if their flight delay matches a randomly set number for the day [1][4]. - The probability of hitting the specific delay number is calculated to be only 0.56% if delays are uniformly distributed between 0 and 180 minutes [4]. Consumer Feedback - Consumers have criticized the product for its misleading marketing, where the prominent display of the 300 yuan allowance overshadows the critical claim condition, which is presented in smaller font [4][5]. - A user reported a 95-minute delay but received no compensation, highlighting the product's stringent matching requirement [4]. Legal and Regulatory Insights - Legal experts have pointed out that the product's claim conditions are excessively strict, likening it to a "lottery game" rather than a traditional insurance product, which should provide risk coverage and loss compensation [5]. - The product's design undermines the fundamental purpose of insurance, which is to mitigate risk and provide economic protection [5]. Company Actions and Responses - The "Surprise Number" activity has been removed from the Hanglv Zongheng app, and the company has shifted focus to other insurance products with premiums ranging from 40 to 72 yuan [6]. - Despite the removal of the controversial activity, customer service interactions still reference the product, indicating ongoing confusion among users [6][8]. Technical Developments - The company has registered a software called "Flight Delay Prediction and Recovery System," suggesting a focus on improving its technological capabilities in managing flight delays [10]. - Previous controversies surrounding the app include privacy concerns and accusations of "trick marketing" related to pricing strategies [10].