Core Viewpoint - The rapid growth of internet insurance is accompanied by significant issues, including misleading product information, inadequate customer service, and a lack of transparency, which undermine consumer trust and protection [6][7][9]. Group 1: Industry Issues - A recent evaluation by the Shanghai Consumer Protection Committee and Fudan University identified four major problems in internet insurance: ambiguous product names, incomplete information disclosure, non-compliant marketing materials, and insufficient human customer service [2][3][5]. - The evaluation involved 150 insurance products from 35 companies, revealing a significant gap between sales logic and consumer understanding [2][3]. - The internet insurance market has seen a dramatic increase in premium volume, growing from 29 billion in 2013 to 494.9 billion in 2023, with an expected annual growth rate of 15% to 20% over the next five years [6][7]. Group 2: Consumer Experience - Consumers face challenges such as unclear product terms, difficulty in understanding coverage, and inadequate support from customer service, leading to frustration and confusion [4][5][6]. - Many platforms rely heavily on automated customer service, which fails to address complex inquiries, resulting in a lack of effective communication [4][5]. Group 3: Regulatory Response - Regulatory bodies have recognized the issues in the internet insurance sector and have implemented various policies to address them, including the Internet Insurance Business Supervision Measures and notifications aimed at standardizing practices [8][10]. - The need for a robust trust framework among companies, sales processes, and consumers is emphasized as essential for improving the industry [9][10]. Group 4: Recommendations for Improvement - Experts suggest enhancing transparency in product information, ensuring that key terms and conditions are clearly presented to consumers [9][11]. - There is a call for a shift in operational strategies from mere sales to long-term customer engagement, emphasizing the importance of customer education and support throughout the insurance process [10][11].

Core Viewpoint - The article discusses the necessity and selection of travel insurance for families traveling with children, highlighting the differences between general accident insurance and travel accident insurance [1][2]. Group 1: Differences Between Insurance Types - Accident insurance typically covers daily life incidents with coverage amounts ranging from 100,000 to 1,000,000 yuan, while travel accident insurance is generally cheaper, costing a few to several tens of yuan, and offers higher coverage during travel [2]. - Travel accident insurance includes coverage for sudden illnesses, which is often not included in standard accident insurance, making it more comprehensive for travel-related risks [2]. Group 2: Recommendations for Parents - For short local trips, standard accident insurance may suffice, but for long-distance travel or activities with higher risks, it is advisable to purchase additional travel accident insurance that includes features like 24-hour emergency rescue and high-risk sports coverage [3]. - Parents should evaluate the insurance products carefully, focusing on the coverage details, including the amounts for medical expenses and accidental death [3]. Group 3: Purchasing Guidance - It is recommended to consider personal comprehensive accident insurance that provides up to 1 million yuan in coverage for various scenarios, including home, commuting, travel, and sports [4]. - When selecting travel insurance, it is important to assess the specific activities planned, such as diving or bungee jumping, and consider adding personal liability coverage for potential damages to others [4].

Core Insights - The rise of internet insurance is attributed to its convenience, allowing consumers to complete the entire process from purchasing to claims online, but issues such as "easy to purchase, difficult to claim" have been reported by some consumers [1] Group 1: Product Issues - The evaluation revealed that product names can be misleading, such as the "Personal Million Comprehensive Accident Insurance," which implies a coverage of up to one million but actually offers only 100,000 for accidental death or disability and 10,000 for medical compensation [2] - There is a discrepancy between the actual coverage and the promotional claims, with some products highlighting benefits like "no health status restrictions" while failing to deliver on these promises [3] Group 2: Information Disclosure - The assessment found that many internet insurance products lack comprehensive information disclosure, leading to a mismatch between marketing claims and actual benefits [3] - The evaluation involved 10 major internet insurance sales platforms and 35 insurance companies, covering a total of 150 insurance products, including 80 medical insurance, 30 critical illness insurance, and 40 accident insurance products [3]

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].

Core Insights - The evaluation conducted by Shanghai Consumer Protection Committee and Fudan University revealed four major issues in internet insurance products: misleading product names, insufficient information disclosure, non-compliant marketing practices, and lack of human customer service [1][2][4][8] Group 1: Misleading Product Names - Internet insurance products often use standardized and simplified designs, which can lead to misunderstandings about coverage limits and benefits [2] - For example, a product marketed as "million coverage" may only provide a limited benefit for specific incidents, misleading consumers about the actual coverage [2][3] Group 2: Insufficient Information Disclosure - Many internet insurance platforms fulfill their disclosure obligations superficially, using techniques like page folding and faint fonts to obscure critical information such as exclusions and waiting periods [4] - Consumers often find it difficult to access essential details about coverage, leading to potential misunderstandings about the products [4] Group 3: Non-Compliant Marketing Practices - Marketing strategies often emphasize high coverage and low premiums while downplaying critical limitations, resulting in consumer misconceptions about the products [5][7] - For instance, promotional claims may not align with actual policy terms, leading to confusion and impulsive purchasing decisions [5][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 [8][9] - The absence of human interaction can hinder the establishment of trust and proper understanding of insurance products, which are inherently complex [9] Recommendations - The Shanghai Consumer Protection Committee suggests establishing industry standards for the visibility of user information on insurance sales pages to ensure that critical information is clearly presented [9] - Platforms should incorporate mechanisms for confirming key terms and enhancing user understanding of insurance products, while insurance companies should focus on improving product clarity and customer service [9]