Core Viewpoint - The "Surprise Number" activity launched by the travel app "Hanglv Zongheng" has sparked controversy due to its stringent claim conditions, leading consumers to label it as a "lottery-style marketing" scheme [1][4][5]. Summary by Relevant Sections Product Overview - The "Surprise Number" insurance product requires users to pay 9.9 yuan to participate, with a chance to receive a 300 yuan allowance if their flight delay matches a randomly set number for the day [1][4]. - The probability of hitting the specific delay number is calculated to be only 0.56% if delays are uniformly distributed between 0 and 180 minutes [4]. Consumer Feedback - Consumers have criticized the product for its misleading marketing, where the prominent display of the 300 yuan allowance overshadows the critical claim condition, which is presented in smaller font [4][5]. - A user reported a 95-minute delay but received no compensation, highlighting the product's stringent matching requirement [4]. Legal and Regulatory Insights - Legal experts have pointed out that the product's claim conditions are excessively strict, likening it to a "lottery game" rather than a traditional insurance product, which should provide risk coverage and loss compensation [5]. - The product's design undermines the fundamental purpose of insurance, which is to mitigate risk and provide economic protection [5]. Company Actions and Responses - The "Surprise Number" activity has been removed from the Hanglv Zongheng app, and the company has shifted focus to other insurance products with premiums ranging from 40 to 72 yuan [6]. - Despite the removal of the controversial activity, customer service interactions still reference the product, indicating ongoing confusion among users [6][8]. Technical Developments - The company has registered a software called "Flight Delay Prediction and Recovery System," suggesting a focus on improving its technological capabilities in managing flight delays [10]. - Previous controversies surrounding the app include privacy concerns and accusations of "trick marketing" related to pricing strategies [10].

Core Viewpoint - The article highlights consumer complaints regarding the misleading nature of the "Surprise Number" insurance product offered by the airline travel app, which requires precise timing for claims, making it nearly impossible for consumers to receive compensation [1][2][4]. Group 1: Consumer Complaints - Many consumers expressed frustration on social media about the "Surprise Number" activity, which requires flight delays to match a specific number of minutes exactly to qualify for compensation [1][2]. - The insurance product's design has been criticized for being misleading, as consumers typically expect delay insurance to compensate for delays exceeding a certain threshold [2][7]. - The marketing of the product has been described as exploiting consumer trust and understanding, leading to accusations of commercial fraud [1][8]. Group 2: Product Design and Probability - The product's requirement for exact timing has been deemed excessively stringent, with experts noting that the probability of a flight delay matching a specific minute is extremely low [7][10]. - A statistical analysis suggested that if delay times are uniformly distributed between 0-180 minutes, the chance of receiving compensation is only 0.56%, making the expected value of the product significantly lower than its cost [10][11]. - The design of the product has been compared to gambling rather than traditional insurance, as it lacks a reasonable risk-sharing mechanism [10][11]. Group 3: Regulatory and Ethical Concerns - Experts have called for regulatory bodies to clarify the boundaries of such insurance products and ensure that companies adhere to ethical marketing practices [1][12]. - The article emphasizes the need for greater transparency and fairness in the insurance industry, particularly in the context of internet insurance products [12][13]. - There is a growing concern that misleading products could erode public trust in the insurance industry, impacting its long-term sustainability [12][13].