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 an exact delay time to qualify for compensation, leading to perceptions of it being a form of commercial fraud rather than a legitimate insurance product [2][9][12]. Group 1: Consumer Complaints - Many consumers have expressed frustration over the strict conditions of the "Surprise Number" insurance, which requires delays to be exactly 21 minutes to receive compensation, leading to claims of it being a deceptive marketing tactic [2][3]. - The design of the app's interface downplays critical terms, making it easy for consumers to overlook the exact requirements for compensation [7][8]. - Consumers have compared the product's odds of winning to a lottery, with some calculating the probability of receiving compensation as only 0.56% under certain assumptions [8][12]. Group 2: Expert Opinions - Experts argue that the insurance product's design exploits consumer cognitive biases and lacks transparency, potentially violating advertising laws by misleading consumers [8][10]. - The insurance product is criticized for its low probability of payout, which aligns more closely with gambling than traditional insurance principles, undermining the integrity of the insurance industry [11][12]. - Regulatory bodies are urged to enhance scrutiny of internet insurance products to prevent unfair practices and protect consumer rights [12][13]. Group 3: Industry Implications - The article suggests that the current practices in the insurance industry, particularly with internet-based products, could erode public trust and damage the industry's reputation if misleading products continue to proliferate [12][13]. - There is a call for the insurance industry to prioritize transparency and fairness in product design, moving away from exploitative tactics that take advantage of consumer misunderstandings [13][14]. - The need for companies, especially those with state-owned backgrounds, to uphold corporate social responsibility and provide genuinely valuable products is emphasized [13].