多家保险机构，被点名！

Core Viewpoint - Internet insurance has become a primary channel for the younger generation to purchase insurance due to its convenience, but issues such as misleading sales practices and inadequate information disclosure have emerged, impacting consumer rights and choices [1]. Group 1: Misleading Product Names - Internet insurance products often use standardized and simplified designs, which can lead to misunderstandings about coverage limits. For instance, a product marketed as "million coverage" may only provide a much lower actual benefit [2][3]. - Specific examples include a product on JD Insurance that claims "million" coverage but only offers 100,000 yuan for accidental death, and another product on Ant Insurance that misrepresents its coverage limits [2]. Group 2: Incomplete Information Disclosure - While platforms technically fulfill their information disclosure obligations, they often obscure critical details such as exclusions and waiting periods through design choices like font fading and link redirection, making it hard for consumers to access essential information [5]. - Many products fail to provide a complete list of covered diseases or the specific hospitals eligible for reimbursement, leading to consumer confusion [5]. Group 3: Unregulated Marketing Practices - Marketing strategies for internet insurance often emphasize high coverage and low premiums while downplaying critical limitations, resulting in a significant gap between consumer expectations and actual product offerings [7]. - Examples include discrepancies in age eligibility for coverage and tactics that create urgency, such as limited-time offers, which can pressure consumers into hasty decisions [7]. Group 4: Lack of Human Customer Service - Many platforms lack adequate human customer service, relying heavily on automated systems that fail to address complex inquiries effectively. This absence of human interaction can hinder trust-building and proper understanding of insurance products [10][11]. - The reliance on automated responses can lead to a "feedback blind spot," where non-standard inquiries are not adequately addressed, further complicating the consumer experience [11]. Recommendations - The Shanghai Consumer Protection Committee suggests establishing industry standards for the visibility of user information on insurance sales pages and enhancing the clarity of product terms through user research and improved customer service mechanisms [11].