In recent years, with the development of internet information technology and financial technology, the internet insurance industry has flourished. However, in the development process, internet insurance products have been criticized for playing "word games" to upgrade premiums, setting high thresholds for deductibles, and making it easy to insure but difficult to pay. Many consumers "roast" that they seemed to have enough insurance for themselves with extremely low premiums, but only when they settled their claims did they find that "they had a lonely life". In recent months, 63 year old Zhang Guosheng, who wants to purchase an insurance policy, often sees insurance advertisements pushed by various platforms when searching for insurance online. Looking at the insurance product in the advertisement, it was easy and convenient to purchase, with a low price and a high level of protection. Zhang Guosheng paid 1.2 yuan and activated a renewal to purchase a "Care Million Medical Insurance". However, when he renewed the account on April 27th, he was surprised to find that 53 yuan had been automatically deducted from his WeChat account. Currently, his daughter is appealing to the platform. In recent years, with the development of internet information technology and financial technology, the internet insurance industry has flourished. However, in the development process, internet insurance products have been criticized for playing "word games" to upgrade premiums, setting high thresholds for deductibles, and making it easy to insure but difficult to pay. Many consumers "roast" that they seemed to have enough insurance for themselves with extremely low premiums, but only when they settled their claims did they find that "they had a lonely life". The actual premium is not low, but the threshold for claims settlement is very high. According to the insurance link provided by Zhang Guosheng, the reporter found this one million medical insurance. This product, with a premium of 1.2 yuan per period and a total of 12 periods, claims to provide 5 compensation guarantees, including 6 million yuan medical insurance for major diseases, 3 million yuan general treatment insurance, and 120000 yuan proton heavy ion medical insurance. You can enjoy insurance coverage of up to 6 million yuan for 1.2 yuan, making the product incredibly attractive. However, after paying 1.2 yuan and activating the renewal, the automatic deduction range has changed to 1 yuan to 4000 yuan. This resulted in a deduction of 53 yuan for Zhang Guosheng's next monthly deduction. The reporter found through interviews that there are still many products that play "word games" like this. The phrase '1 yuan in the first month' and '0.1 yuan minimum per month' actually means spreading the annual premium evenly over the next 11 months, and consumers have not received any discounts. The premium is not cheap, so is the protection really as powerful as advertising? Pulling down the Million Medical Insurance product promotion interface, the reporter saw the product promotion with a monthly premium of 53 yuan, which stated "compensate as much as you spend" and "compensate if you exceed 10000 yuan". However, in reality, a minimum compensation threshold of 60000 yuan has been set for serious illness medical insurance and general medical insurance, and the compensation threshold for special drugs outside the hospital is as high as 100000 yuan. Moreover, after reaching the compensation threshold, the highest compensation ratio is only 30%, and the lowest is only 10%. Wu Jiabin, a sales manager at an insurance company who has been working for 13 years, told reporters that this is a typical "low in high out" internet insurance product. Traditional insurance products are characterized by high technical and legal expertise, and belong to the "high in high out" model with high sales and claims thresholds. And internet insurance has carried out this
Edit：Hou Wenzhe Responsible editor：WeiZe
Source：Worker Dairy
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