投保易、理赔难！互联网意外险里“藏”了多少特别约定？

Core Viewpoint - The rapid growth of internet insurance has led to the popularity of short-term accident and health insurance products, which often emphasize low premiums, high coverage, and convenience, while downplaying restrictive content hidden in policy documents such as "Insurance Notice," "Special Agreements," or "Exemption Clauses" [1][2] Group 1: Case Study of Claim Denial - A case involving Ms. Zhu highlights the confusion surrounding claim denials due to the exclusion of certain hospitals from coverage, despite the policy stating that treatment at "secondary or above hospitals" is covered [2][4] - The insurance policy for Ms. Zhu's accident insurance included a long list of excluded hospitals, which was not prominently displayed, leading to her unexpected claim denial [4][5] Group 2: Exclusion Practices in Accident Insurance - Many accident insurance products have extensive lists of excluded hospitals or regions, which serve as a risk control measure for insurance companies to maintain low operational costs [7][8] - The market for accident insurance has seen slow growth, with total premium income from personal and property insurance companies reaching 346 billion and 546 billion respectively in the first 11 months of 2025, accounting for only 1.55% of the overall insurance market [8] Group 3: Consumer Awareness and Information Disclosure - The marketing of internet insurance products often emphasizes benefits while downplaying critical information regarding exclusions and limitations, leading to consumer misunderstandings [12][13] - A study found that many internet insurance products lack sufficient information disclosure, misleading product names, and non-compliant marketing practices, which can result in disputes over claims [15][16] Group 4: Regulatory and Compliance Issues - Regulatory bodies have emphasized the need for traceable management in insurance sales, requiring clear disclosure of key information and prohibiting misleading sales practices [16] - The balance between risk control and consumer protection remains a pressing issue for the sustainable development of internet insurance [16]