莫名“被投保”扣费,谁在暗设营销诱导

Core Viewpoint - Consumers are facing issues with unauthorized insurance purchases and automatic deductions from their accounts, raising concerns about data privacy and consent in the insurance industry [1][2][3]. Group 1: Consumer Experiences - A consumer reported being charged 60.95 yuan monthly for an insurance policy he did not authorize, totaling nearly 500 yuan over eight months [2]. - The insurance policy in question is linked to China People's Health Insurance Co., covering multiple health-related insurance products with a total coverage amount of 4.1 million yuan [2]. - Many consumers have shared similar experiences on social media, indicating a widespread issue of being misled into purchasing insurance without their knowledge [3]. Group 2: Company Responses - A representative from the insurance product stated that policies require explicit confirmation from the insured, including personal information verification through various security measures [4]. - The company acknowledged that some consumers have reported unauthorized purchases and indicated that they would investigate and process refunds based on individual cases [4]. Group 3: Regulatory and Compliance Issues - The insurance industry is required to provide clear information and obtain consent from consumers before completing any insurance transactions, as per regulatory standards [5]. - There are concerns that some companies may use misleading marketing tactics to encourage consumers to purchase insurance without fully understanding the terms [5]. - The China Banking and Insurance Regulatory Commission has initiated efforts to address issues related to misleading sales practices and unauthorized transactions in the internet insurance sector [6]. Group 4: Consumer Rights and Recommendations - Consumers are advised to directly contact the insurance company for refunds and can escalate complaints to regulatory authorities if necessary [6]. - It is recommended that consumers remain cautious of marketing tactics that promote "free" or low-cost insurance products, ensuring they understand the terms before providing personal information [6].