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你买过雾霾险吗 奇葩保险让临沂市民应接不暇

楼主你买过雾霾险吗 奇葩保险让临沂市民应接不暇
2014年04月06日 10:34   来源: 沂蒙晚报  

   面对新险种,年龄较大者表示对这些保险创新有些“摸不着边”。

  近日,多家保险公司新推的“雾霾险”,在面世不到7天即被保监会叫停,引发各界关注。官方理由是与保险创新无关,主要是产品涉嫌销售误导等问题,但事件本身却将层出不求的新险种拉进了市民视野。4日,记者搜索发现,从买车的“摇号险”,到保太阳天的“春节喜阳阳”,再到保中秋见月亮的“赏月险”,甚至“压力山大险”“蜜月意外怀孕险”等各式创新奇葩险种正在加速涌来,让市民颇感应接不暇。

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中银车险年亏5.4亿 鑫安董事长离任 网销理财型保险地域受限 让利成趋势 泰康推销保险乱吹牛 销售误导领罚单 香港保险业30年重大变革:建保监局 25省上调企业养老金 将实现十连涨 网购意外险:按照5大标准量体裁衣   山东省临沂市网店掌柜小强新近就被一款网上营销的险种吸引,“名为‘压力山大险’,宣传语是‘首款能对猝死进行理赔的保险’,保费从16元至85元不等。我们开网店的本身压力很大,每每看到淘宝店主猝死的报道就心慌慌,反正保费也不贵,我就尝鲜买了一个。”

  无独有偶,正在筹备婚礼的市民会亮,在为即将开始的蜜月网上搜索行程安排时,无意中发现有保险公司推出“蜜月意外怀孕险”的消息,“据称这种保险专为因怀孕而导致蜜月旅行无法进行的新婚夫妇设置。投保规则注明,男性投保人的妻子如果怀孕,保险公司将赔付已经发生且无法退回的旅行费用,比如订购的机票、酒店费用等;而针对女性投保人,则该女士如仍想按原计划旅行,保险公司则需支付蜜月游意外怀孕津贴,500元至1500元不等。很有新意,我打算试一下。”

  针对“奇葩”险种层出不穷,市民是否买账,4日记者随机进行了采访。对新事物接受能力强的年轻受访者普遍认为,互联网时代对保险产品的理解应该改变思路,只要市场有需求的就是好产品,对于个性化、贴身式险种不断涌现,他们乐观其成。而年龄较大者则一脸茫然,大都表示保险创新有些“摸不着边”了,将“八竿子打不着”的事物硬拉到一起,而且多是网上购买,这靠谱吗?

  对此,临沂大学商学院教授朱建成就表示说,所谓“奇葩”险种的涌现,发映出保险设计“小众化”和产品细分化的趋势,这本身是经济发展到一定阶段的产物。随着人们生活水平的提高,市场对保险产品需求更加多元,小众化和个性化的保险产品能够与这种市场需求变化趋势相匹配。“但在保险创新的同时不应忽视诸多弊病,如有些产品目前设计不充分,有些操之过急,长期可能存在系统风险;有些则背离最基本的保障功能,冠以热门噱头之名,却变相行理财之实,即便短期受宠,长期也会遭到市场抛弃。”
作者: 杨帆 (责任编辑:申雪娇)

回答时间:2014-04-29 16:49

1楼这样也可以?现在保险的种类真是越来越多啦,感慨。。。

回答时间:2014-05-07 11:55

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