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宠物险宣传保额15000实际只赔1500?大地财险被指虚假宣传
凤凰网财经·2025-06-17 13:28

Core Viewpoint - The article highlights a case of potential consumer deception by Dadi Insurance regarding its pet insurance policy, where the advertised coverage amount of 15,000 yuan is contradicted by a hidden clause limiting single claim payouts to 1,500 yuan, raising concerns about transparency and consumer rights [4][15][16]. Summary by Sections Incident Overview - A consumer, Ms. Li, purchased a pet medical insurance policy for her dog, which was advertised with a coverage limit of 15,000 yuan. However, upon filing a claim for a medical procedure costing 12,710.77 yuan, she discovered a hidden clause that limited the single claim payout to 1,500 yuan [4][7][12]. Policy Details - The insurance policy explicitly stated a total coverage amount of 15,000 yuan, but the limitation on single claims was buried in the second page of the policy under special terms, which is not prominently displayed [7][15]. Legal Opinions - Legal experts argue that Dadi Insurance's marketing practices may constitute systematic misleading behavior and fraudulent inducement, as the critical limitation on claims was not adequately disclosed, violating insurance law requirements for key terms [15][16]. - Other consumers have reported similar experiences, indicating a broader issue with Dadi Insurance's policy transparency [15][16]. Consumer Reactions - Ms. Li expressed frustration over the lack of clarity in the policy and the company's unwillingness to address her concerns adequately. She has taken legal steps to assert her rights [14][16].