Core Viewpoint - The article highlights the issue of consumers being unknowingly charged for insurance during the ticket purchasing process on travel platforms, raising concerns about transparency and consumer rights [1][10][21]. Group 1: Consumer Experience - A consumer named Zhang Xian encountered unexpected insurance charges amounting to 204 yuan when purchasing train tickets, which were not clearly disclosed during the transaction process [1][2]. - The insurance was identified as "Trip Delay Allowance Insurance," underwritten by Huatai Insurance [2][4]. - Zhang, despite being knowledgeable about insurance, felt trapped by the platform's sales tactics, indicating a lack of clarity in the purchasing process [4][10]. Group 2: Insurance Sales Process - The ticket purchasing process included multiple points where insurance options were presented, but the final insurance offer was less visible and misleadingly labeled [5][7]. - The design of the insurance sales interface exploited consumers' urgency to purchase tickets, making it easy to overlook critical information [8][14]. - Legal experts argue that such practices infringe on consumers' rights to be informed and to make fair choices [10][14]. Group 3: Regulatory Compliance - The article discusses the lack of compliance with regulations that require clear disclosure of insurance terms and conditions during the sales process [11][21]. - It notes that the insurance sales interface failed to meet the standards set by previous regulatory guidelines, which have since been repealed [17][21]. - Experts emphasize the need for platforms to ensure that essential information is not hidden and that consumers are adequately informed before making a purchase [20][21]. Group 4: Insurance Product Suitability - Concerns were raised about the appropriateness of the insurance product itself, as it included coverage for scenarios that did not match the consumer's travel plans [15][17]. - The insurance policy contained various coverage options, but many were irrelevant to Zhang's situation, leading to questions about the necessity and value of the product [15][17]. - Legal experts suggest that consumers should be able to understand the relevance of insurance products to their specific needs to avoid unnecessary expenses [20][21].

"在互联网科技的带动下，保险行业正面临价值重塑。眼下，基于场景的保险产品已初步显露了其市场 能力。我们相信，场景需求将会持续带动保险行业实现高增长。"致保科技有限公司（以下简称"致保科 技"）董事会主席马波涛4月22日在接受《证券日报》记者采访时表示。 日前，致保科技披露2025财年上半年业绩。数据显示，2024年6月30日至2024年12月31日（以下简称"报 告期"），致保科技收入同比增长74%至1.46亿元，其C端用户突破2000万人，同比增长100%。据中国 保险行业协会数据，2024年，在保险行业报行合一的监管新规下，传统保险中介机构业务平均收缩率达 35%。对比之下，致保科技的财报数据非常亮眼。 "致保科技已建立前端风控+后端理赔的全链条服务能力，收费来源不会受单一费差的影响。"马波涛 称。 场景化保险： 巨大需求未被满足 如何定义基于场景的保险产品？马波涛向记者举一个案例：养宠物是许多90后、00后的生活方式，当宠 物发生医疗需求、宠物主人在线支付诊疗费时，系统会自动推荐宠物医疗险等定制产品。类似的，租车 时自动推荐车险、下单旅游产品时"顺势"推荐"行程取消险"、购物时加购运费险等都是基于场景渗 ...