Core Viewpoint - The launch of the "Surprise Number" precise delay insurance by the company has faced significant consumer backlash due to its complicated payout conditions and perceived lack of genuine insurance characteristics [1][2][3]. Group 1: Product Details - The "Surprise Number" insurance costs 9.9 yuan and requires the actual delay time to match a specific number to qualify for compensation [3]. - The compensation is only applicable if the flight delay is exactly equal to the "Surprise Number," leading to consumer complaints about the low probability of receiving payouts [2][4]. Group 2: Consumer Reactions - Many consumers have criticized the product as a form of "wordplay" and likened it to a gambling game rather than a legitimate insurance product [4][5]. - Complaints highlight that the insurance appears to be more of a marketing gimmick than a viable risk-sharing mechanism, raising concerns about consumer rights and legal implications [5]. Group 3: Expert Opinions - Experts have pointed out that the precise minute-based trigger for payouts undermines the fundamental principles of insurance, making it resemble a gambling game rather than a risk-sharing product [4][5]. - There is a call for regulatory clarity to define the boundaries of such products and ensure that the industry maintains ethical standards [5].

有网友投诉称，本以为是延误超过20分钟就赔付，结果发现是延误正好20分钟才赔付。还有网友认为 其"赔付概率几乎为零，类似竞猜游戏"。 近日，航旅纵横推出一款9.9元的"惊喜数字"精准延误险，引发不少消费者吐槽。 计划起飞日期当天会显示一个特定数字，可获津贴的唯一情形为"起飞延误时长=惊喜数字"，9.9元即可 参与该活动。 不少消费者指责其"玩文字游戏"，"延误险也能开盲盒？""仿佛不是买保险，而是参与一场荒诞的数字 博彩。" 据南方都市报报道，8月28日，航旅纵横客服表示，"确实是要实际延误时长的分钟数等于特定数字，才 符合理赔规定。'惊喜数字'活动目前已下线。" 此前，航旅纵横App的"惊喜数字"活动页面显示，该活动为"起飞延误新玩法"，"惊喜数字分钟不差，得 300元津贴"。 尽管航旅纵横试图将"惊喜数字活动"与普通航延险区分开，但多位参与该活动的乘客发出的资金入账页 面显示，交易备注"理赔款-南航保险经纪-阳光延误保升级版"，或是"你收到一笔保险理赔款"，转账备 注"阳光延误保升级版"，付款方均为"南航保险经纪有限公司"。 据新京报报道，对于航旅纵横精准到分钟的延误险，对外经济贸易大学保险学院教授王国军 ...