Port communicationHong Kong Xintong-Today I will introduce to you the risks of Internet insurance，Let’s learn together! now，The online world is all-encompassing，“Weird” insurance types emerge in endlessly：Violation sticker insurance、Naughty children are in danger of getting into trouble、Helping the elderly was blackmailed、Forget to wear long johns insurance、Beautiful Chef Care Insurance、Gastrointestinal danger、Acne insurance…it’s amazing how many types of insurance there are，Only unexpected，Nothing can't be done。But，for consumers，certain internet insurance，In fact, it is not safe!
one、There are suspicions of fraud and illegal fund-raising. Some insurance products are not developed by insurance institutions.、Sale，The policy has no legal effect。
For example, a Taobao store sells love insurance，"99 yuan a serving，Get married after two years，Complimentary wedding planning and 199 yuan gift；Married for more than three years，The gift amount has been increased to 299 yuan.”，Looks sweet，In fact, there are hidden risks - the so-called insurance policy，It's just a piece of paper printed by the merchant himself，If the insurance product sells well and the merchant takes the money and runs away，Is there any gift money left to chase?
Zhu Minglai, a professor at the School of Finance at Nankai University, pointed out，At present, some traffic platforms are illegally raising funds under the guise of insurance.，Or spread the "bait" of high returns，or forge insurance policies，Defraud consumers of funds。These platforms are not qualified as insurance agents，According to regulations, only customer recommendations can be provided to both insurance parties.、Insurance price comparison and other services，But they are obviously selling illegally。
two、Betting in nature，"Online sales insurance" may be the first two years of online gambling，Some formal insurance institutions sell haze insurance、World Cup Regret Insurance、pet pregnancy insurance、Stock price limit insurance、Mid-Autumn Festival Moon Viewing Insurance。Experts pointed out，There are no rules for these insurance “subjects”，Pricing and terms are not supported by risk data，No different than gambling。Fortunately, these "innovations" were promptly given red cards by regulatory authorities.。
three、Merchant is vague about key information，The product is not worthy of its name and the terms of some Internet insurance are unclear.，Incomplete and insufficient disclosure of relevant information by insurance institutions，Or exaggerate financial management income、Weakening the nature of insurance products，Or lack of risk warning，The exemption and compensation clauses are ambiguous and misleading，harming consumer rights。
Four、Risks of loss or leakage of personal information: Taiping Life Insurance official told reporters，Currently, some companies conduct business with unqualified third-party online platforms.。“It seems that the platform is connected to the insurance agency’s system.。in fact，After insurance，Insurance institutions still have to manually export insurance information，Then sell through your own network、Complete the insurance application through telesales or direct sales by salespersons。
This disconnected operating model between online and offline operations cannot completely preserve the insurance trajectory of consumers.，It is extremely prone to misleading sales and difficulty in settling claims.。"Industry insiders are worried，If some insurance companies put private customer data on public "cloud" servers，Or the information system itself is improperly maintained, etc.，Will lead to leakage of customer personal information。Experts pointed out，Internet insurance has just started，The market development is not yet complete。
Network scene customization、Small premium amount、Technology applies these "cheap conditions"，A double-edged sword for consumers。On the one hand, return insurance has emerged、Broken screen insurance for mobile phones is based on insurance principles、Insurance with more scientific pricing，Satisfies multiple levels、Diversified risk protection needs。On the other hand, there are some "insurance innovations" that are selling sheep over dogs.，Taking advantage of the Internet to deceive、deceive consumers。
Although the amount per order is very low，Not to mention "high risk"，But it’s like the “psoriasis” of financial markets，uncomfortable。If you still need to know more about this，You are welcome to consult Hong Kong Xintong at any time!
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