Is the novel internet insurance of ＂food insurance＂ and ＂Xiong Haizi insurance＂ reliable？

　　Afraid of eating your own bad stomach, of "Xiong Haizi" damaging the goods in the shopping mall, and of accidentally breaking the screen of your mobile phone? Maybe the insurance company has already thought of it for you. Nowadays, novel Internet insurance products such as "food insurance", "Xiong Haizi insurance" and "mobile phone broken screen insurance" attract more and more consumers’ attention. Are these new types of insurance reliable? How do insurance companies design these products? What should I pay attention to when buying Internet insurance?

　　Meet the individual needs of users

　　"Remember those years because of greed and sin? Then why not take out a food insurance to make yourself more secure? " The reporter saw in a shop of Taobao Insurance that the purchase of this food insurance premium only needs 9 yuan, and in the following year, if you are hospitalized or out-patient for acute gastroenteritis, you can pay 1000 yuan the highest. There are not a few unexpected Internet innovation insurances like "food insurance". These insurances with low premium and short guarantee period have attracted more and more online consumption: 0.9 yuan can insure "occasional minor injury insurance", the guarantee period is 1 to 3 months, and the accidental injury can be paid up to 2,000 yuan; There is also the "Xiong Haizi Insurance", which costs 8 yuan a whole year. Children under the age of 17 can get compensation for breaking shopping mall vases or school glass … …

　　It is not difficult to see that Internet insurance has expanded more application scenarios in traditional property insurance and personal insurance, such as "Wang Xingbao" to protect the medical expenses caused by pet injuries, "Mobile phone broken screen insurance" for "hand-sliding party" and "beautiful as a flower insurance" for plastic surgery accidents. Compared with traditional insurance, these Internet insurances developed based on specific scenarios meet the short-term personalized segmentation insurance needs of users.

　　Chen Jin, CEO of Zhongan Online Property Insurance Co., Ltd., said that the core of the Internet economy is customer demand-oriented, and so is the insurance market. It is these massive, small and fragmented insurance policies that greatly lower the threshold of insurance and cultivate new consumption habits of young people to buy insurance.

　　There are both convenience and risks.

　　Internet insurance innovation business is currently growing at a high speed. Statistics show that in 2017, the number of Internet insurance signs was 12.491 billion, an increase of 102.60%. Chen Jin believes that the power of science and technology has begun to reshape the product design, pricing, sales, claims and other links in the insurance value chain.

　　Taking product design as an example, Internet insurance companies have changed many risks from insurable to insurable through user data analysis. For example, relying on the user’s purchase history, return frequency and other data, provide online shopping return insurance; Provide flight delay insurance by analyzing data such as flight dynamics and weather conditions. "In the product pricing process, the combination of the Internet of Vehicles, drones, wearable devices and big data technology will help insurance companies better grasp the needs and risks of users and realize dynamic pricing. For example, in the field of auto insurance, ‘ can be realized according to the driving mileage, behavior habits, vehicle safety factor and other factors of the owner. One car for one price ’ 。” Chen Jin said, "The future of Internet insurance should be personalized, customized and intelligent."

　　It is worth noting that while Internet insurance brings convenience to consumers, there are also potential risks. Some "eye-catching" products launched by insurance institutions have some problems, such as nonstandard publicity content, inconsistent content or incomplete display of format terms on web pages, and unclear exemption clauses, which are suspected of misleading consumers. In addition, some online platforms hide "tying", and sell some insurance products by default checking on their ticketing and hotel reservation pages, without clearly listing the underwriting subject or agent sales subject, and failing to fully disclose relevant important information such as insurance product terms, which infringes on consumers’ rights and interests such as the right to know and the right to choose independently.

　　Supervision still needs to be strengthened.

　　Wang Yonghua, a visiting researcher at the Insurance Center of the Development Research Institute of Fudan University, said that some institutions, in the name of mutual assistance, are ostensibly insurance, but what they actually do is to raise funds. Some "exotic risks" may be controversial in claims because of their special scenes, and insurance companies may also try their best to expand sales, but ignore claims. "Consumers should not be impulsive before buying and should fully understand the products. It should be understood that buying insurance is to protect extreme risks, not to make a fortune. " Wang Yonghua said.

　　Xia Xuemin, a visiting researcher in institute for public policy, Zhejiang University, believes that many institutions have launched many so-called Internet insurance products, and some even directly violated the national regulatory rules on insurance. At the beginning of 2017, the relevant departments issued the Guidelines for the Development of Insurance Products of Property Insurance Companies, which for the first time refined the development principles and prohibitive provisions of insurance products of property insurance companies, and directed the supervision at the insurance products with hype concepts and gimmicky tendencies in the market, such as "sticker insurance", "love insurance" and "helping the elderly to be wrongly insured".

　　Xia Xuemin suggested that blacklists and integrity files of Internet insurance should be established, reporting channels should be opened, users should be encouraged to actively reflect suspicious institutions and products, and unqualified sales of Internet insurance should be exposed.

　　■ correlation

　　Seven "Xiong Haizi" in Jiangxi

　　Stop the high-speed rail with stones

　　Will pay 50 thousand losses

　　Seven students actually "forced" the high-speed rail with three stones! On May 3, the reporter learned from the railway department that due to the impact on railway safety, the high-speed train temporarily stopped for 41 minutes in this section. After the relevant departments determined the damage, seven students will bear 50,000 yuan in compensation.

　　The incident happened not long ago. Seven students from a middle school in Hukou climbed the Qujiang-Jiujiang Railway to play in the railway fence net, and placed three stones on the rails, which were crushed by the G1650 high-speed train passing through this section, causing the train brake device to be damaged, and temporarily stopped for 41 minutes in this section, which seriously affected the operation safety of the high-speed rail line. Seven student guardians will also pay compensation for the heavy economic losses caused by emergency parking of high-speed trains.

　　The railway department reminds that crossing the railway and playing on the railway not only threaten your life safety, but also cause hidden dangers to the moving train. "It takes at least three or four hundred meters for the moving train to stop from emergency braking." Therefore, it is not the emergency braking that will prevent the tragedy. Moreover, the emergency stop is also very harmful to the train itself, which may cause the train to get out of control and the safety of all passengers will be threatened.