The fund manager's mouse warehouse, said that the capital preservation has become a huge loss, and the fund is pitted to the [fund exposure station]! The credit card was stolen without any reason, the bank deposit became insurance, and the financial management was cheated, please poke [Financial Exposure Desk]!

In the case of claims, "fake insurance" chooses to delay the consumer or "surrender"

â– Reporter Yin Lixing

With the improvement of people's awareness of protection, Internet insurance has gradually emerged, and scened insurance products have become a trend of the moment. However, some companies have started the idea of ​​“fake insurance”, selling sheep meat and selling premiums, while in the case of claims, they choose to delay the consumer or “surrender”.

Nowadays, “insurance” has become a bridge of trust between enterprises and consumers. However, the phenomenon of false insurance or misleading consumers with “insured” is not poor. The industry not only calls for industry regulation to strengthen supervision, but also reminds consumers of consumption. It is necessary to polish your eyes.

Broken screen insurance is not insurance?

It seems that the screen has broken into a "spider web", but it is not a rare thing to fix the screen. It is this business opportunity that is fancy. Many insurance companies have jointly launched “broken screen insurance” with enterprises, and promised consumers to pay a small amount of money to buy “insurance”, which can save losses after the mobile phone breaks the screen.

According to the "Securities Daily" reporters not fully investigated, the major e-commerce platform, mobile phone App on the "broken screen insurance" emerges endlessly, the price is different according to the mobile phone, mostly 30-100 yuan for one year, 200 yuan can be guaranteed for two years.

In this era when the mobile phone does not leave and the mobile phone cannot be used, it seems that it has disappeared. A large number of consumers have paid for the so-called “broken screen insurance”.

However, there are a lot of "broken screen insurance" and "broken screensavers" on the market. Is it really a word of insurance?

A few days ago, the Shanghai Consumer Protection Committee recently talked about the related traps in the consumption trap - Hi maintenance. It is understood that this company is affiliated to Shanghai Yingmeng Network Technology Co., Ltd. (hereinafter referred to as "Yingmeng Company"). Its company launched a broken screen insurance from June to November last year, priced at 39 yuan -119 yuan The insurance period is from six months to one year.

However, when the consumer purchases, he finds that the customer has no reply after the broken screen, and the policy number cannot be queried. In fact, the so-called “broken screen insurance” sold by this company is not a real insurance, but a “broken screen extension service”, and the company that provides “broken screen insurance” is not the Shenzhen People’s Insurance marked on the publicity page. It is a commercial service company named Tuopu Thinking in Shenzhen. Yingmeng Company is the third-party underwriter of this extended warranty service. It is understood that after the launch of the "Broken Screen Extended Warranty Service", due to the high loss ratio, there is a contradiction between the two companies, resulting in the failure to provide timely follow-up services.

In this complaint, Yingmeng Company has two major problems. The first is false propaganda. By propagating the so-called relationship between “broken screen insurance” and Shenzhen People’s Insurance, the ordinary “extension service” is packaged into insurance products for external sales. Secondly, without fulfilling the responsibility, the company sold a total of 768 such products, and successfully paid more than 500. For consumers who do not have broken screens, the company directly collects the money. In the event of a broken screen, consumers are asked to find other companies to solve, or simply "surrender".

However, the name of "insurance" is not a phenomenon of insurance products, this is not the only one. In fact, it is not uncommon to sell the extended warranty service on the market with the name “broken screen insurance” and “broken screen insurance”.

For example, the broken screen service sold on an e-commerce platform does not highlight the word "insurance" on the introduction page, but the word "insurance" is clearly marked on the publicity map of this product. After investigation by the Securities Daily reporter, this product is not an insurance product, but only the after-sales service launched by this platform.

In addition, a company that operates broken screen insurance services on campus, although it said that it has close cooperation with PICC, Ping An and Taibao in its promotional materials, its shatter-screen insurance business is not cooperating with the above insurance companies. The promotion page shows that the price of this product is 69 yuan, but the campus agent can increase the price. On a campus social app, an agent is selling the activation code for this “broken screen insurance” at a price of 80 yuan.

However, not all broken screen insurance is not insurance. For example, the broken screen repair service for mobile phones sold on Alipay App is cooperating with PICC P&C Insurance, and Xiaomi’s “Small Cell Phone Accident Protection Service” is underwritten by Zhongan Insurance.

The security door is insured but not insured?

In fact, in many insurance disputes, in addition to the situation of selling dog meat, some of them are actually insurance, but the content they protect may be very different from what consumers understand.

As the first barrier to home security, security doors are essential to protect the security of the family. However, in the recent comparison test of a security door organized by the Tianjin Consumers Association, the quality of many security doors has not reached the national standard. It is understood that samples that do not meet the national quality standards, some are unqualified locks, some are unqualified door thickness, and some are not included in the security door filler.

It is worth noting that among the unqualified security door brands involved, two companies clearly indicated in the official website publicity materials that the products were covered by insurance companies, but did not specifically disclose the name of the insurance company.

In fact, in the major building materials exchange forums, the purchase of security doors, whether marked with "insurance product liability insurance" has always been an important indicator, it is generally believed that the quality of the security door is relatively reliable.

However, some security doors marked with product liability insurance are not qualified. It is understood that in the complaints about the security door on the Internet, the security door is damaged, the family is stolen, but the news that the insurance company refuses to compensate is not uncommon. what is this? How should consumers protect their rights?

First of all, although many brands are marked "with XX insurance company underwriting" on the security door, or sales personnel said that they can give a piece of insurance. However, if the insurance does not have a policy, or the policy number cannot be queried, the authenticity of this insurance cannot be guaranteed. For example, the security door manufacturer did not cooperate with the insurance company, but only used the name of the insurance company to make a gimmick to attract consumers. Another possibility is that the company has previously cooperated with the insurance company, but the cooperation has long expired, but the business has been Inheritance.

Secondly, even if insurance is actually insured, the content of this policy guarantee may not be as good as consumers think, that is, after the theft, compensation can be obtained.

Generally speaking, "security door insurance" covers less the stolen content, mostly to guarantee the quality of the security door, such as how many minutes the A-class lock is removed, or the security door is damaged to some extent within one year of purchase. Compensation is obtained, and the compensation method is mostly to pay a part of the amount, repair or replace the security door. In addition, some products guarantee the loss caused by accidents such as the collapse of the security door. In addition, some products require consumers to install the security door and apply for activation online.

Anti-theft door hangs product liability insurance is actually a kind of "trust" between enterprises and consumers. In addition to calling for industry norms, consumers should not blindly believe in the promotion of manufacturers when purchasing security doors under the premise of choosing reliable brands. Insured insurance, you should carefully ask about the insurance coverage and ask for the policy number. For insurance companies that cooperate with security door manufacturers, they should also supervise manufacturers to improve product quality.

Enter [Sina Finance and Economics Unit] Discussion