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家委会退雨伞教坏下一代

航旅纵横“精准延误险”像博彩 保险不能偏离“风险兜底”初心_蜘蛛资讯网

四个品牌五款产品都自称销量第一

赔付率，使其成为一款以“高利润”为导向的产品，完全背离了保险的社会价值。保险的核心社会价值在于为真实风险“兜底”，若一款保险产品的保费几乎全部转化为保险公司或销售平台的利润，而无法为投保人提供有效风险保障，那么它便失去了存在的正当性。此外，保险产品还需履行“充分告知义务”——显著提示核心条款，确保产品设计与社会常识相符；若产品规则与公众普遍认知存在差异，则更需通过清晰、醒目的方式向消费者说明特殊条

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