On February 16, Mr. Ye (surnamed Hua) who lives in Wuchang District of Wuhan complained angrily to The Paper that an insurance sales platform bought a health insurance without her knowledge, and the monthly deduction was close to that of 300 yuan. This product marketing method is simply fraud!
Inexplicably "insured", 9 months have been deducted more than 2000 yuan.
On February/KOOC-0//KOOC-0/2023, Mr. Ye received a phone call from Ms. Liu, who claimed to be a staff member of an insurance company, and asked her to participate in the offline activities on February/KOOC-0/9 as a company customer.
Teacher Ye felt very strange: "I have no business dealings with your company, nor have I bought related products. How did I become a customer of your company? " The other party told him that he had been buying Wukongbao products for one year. This made him confused: "I have never heard of this insurance name. How can I buy it? "
Teacher Ye's payment record
Teacher Ye checked the WeChat payment record and found that from May 202 1, the monthly automatic deduction fee was about 286.99 yuan. After asking Ms. Liu carefully, I learned that Wukongbao is an insurance sales platform and has cooperation with many insurance companies. The insurance name purchased by Mr. Ye is Wukongbao Universal Health Insurance Kangxiang Edition, which is a universal health insurance product underwritten by Taikang Life Insurance and belongs to millions of medical insurance.
Teacher Ye's Fee Deduction Record for 202 1 May
On February 15, Jim News called Wukongbao product customer service. According to the customer service staff, Mr. Ye bought the insurance on May 23rd, 20265438 12: 3 1. Maybe he browsed the insurance advertisement with his mobile phone or computer and left his identity information, and paid the first month's premium 1 yuan. Subsequent premiums are determined according to the age of the insured and social security. Teacher Ye's monthly premium is 285.99 yuan. In addition, he also bought an additional insurance of Zhonghui Property Mutual Insurance Company, and deducted the monthly fee of 1 yuan. The premium for next month will be automatically deducted around the 25th of each month.
In response to Mr. Ye's "uninformed purchase", the staff said that in general, when purchasing, the page will ask the buyer to provide real name, ID number, mobile phone number and other information, and then enter the payment password to succeed. "There is a reminder on the page. This is an insurance product, so we have fulfilled our obligation of reminding. Customers can't see us and can only express regret. " The customer service staff said that most people don't care about a dollar, so they don't care much. As for automatic deduction, it may be because he opened the automatic deduction function during the insurance process.
Teacher Ye recalled that he did enjoy the charging treasure by * * * and scanned the code to ride a bike. It is possible that he clicked on the relevant link at that time, which led to the deduction.
In order to avoid further detention, Mr. Ye chose to turn himself in.
Insiders: This kind of insurance product is difficult to claim.
"If you follow the normal insurance process, many people may not meet the purchase conditions of this product. If he accidentally pays, resulting in a formal policy, he will also be refused compensation, and his rights and interests will be difficult to be guaranteed. " The person reminded.
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