The question of "selling insurance" in orchard every day

Absrtact: If you buy the fruit in the supermarket, the farmers ' market, the insurance to settle the claim, how do you feel? Recently, fruit electric business every day orchard in Beijing area pilot so-called national first fruit insurance, known as the problem of other business fruit equivalent claims. Right

If you buy the fruit in supermarkets, farmers ' markets, by insurance to settle the claim, how do you feel? Recently, fruit electric business every day orchard in Beijing area pilot so-called national first "fruit insurance", known as the problem of other businesses fruit equivalent "claims." In this regard, insurance experts believe that insurance products must be qualified companies to sell and record to the regulatory authorities, such "class insurance" products belong to the edge of the ball, suspected of operating beyond the scope.

"If you are our VIP customer, you buy the fruit in other channels problem, our company will be equivalent to claim." "Every day the Orchard customer service staff told reporters.

Recently, every day orchard in Beijing, the first pilot domestic "fruit insurance." The company's official microblog said the first "fruit insurance" was presented to VIP users who consumed 3000 yuan as of September 1. After the user receives the insurance, the online channel, like the stall, the vegetable market or the shopping mall supermarket buys the fruit, meets the shoddy, Shoho, does not know the freshness and so on any question, may obtain every day orchard equivalent cash compensation. The gift insurance is valid for 3 months, the cumulative compensation of each person is 1000 yuan.

Customer service personnel, claims procedures are very simple, if customers buy the problem of fruit, just take a photo release micro-blog @ every day orchard description, 3 days, the equivalent amount of money in cash recharge form returned to the user.

"Fruit risk" once launched, it attracted hot discussion. CBD office workers Wang believes that, in any case, for other people's shoddy products to provide security, very interesting, willing to try. Home housewife Li Yan, who lives in Chaoyang District, said that this is equivalent to a VIP customer a 3-month coupon, buy the problem fruit on the "refund." "First of all, 3000 yuan in the consumer threshold is too high, and secondly, the total feeling that the electric business enterprise selling insurance is a little unreliable." ”

"It's a risk," he said. "Every day orchard official Weibo so" clarified, apparently also to avoid the insurance controversy.

Every day, Orchard co-founder Chi said in an interview, "Fruit Insurance" is actually the company's "48-hour free return" User protection policy expanded version, not the conventional understanding of the "insurance", the company did not cooperate with any insurance companies, but that this service in providing protection than "insurance" more convenient and practical. Claims will not be set too many discrimination conditions.

Experts say

"Class insurance" is difficult to avoid moral hazard suspected violation

"For example, I work with the fruit stall owner, pull a bunch of childcare, like Taobao brush a single, every day everyone said to buy hundreds of pieces of fruit, and then say rotten, find the ' fruit insurance ' claim, this insurance how to identify the authenticity of the transaction?" How to identify the decay and spoilage of fruit? How to identify the returned goods? If it is not possible, it is the pit dad. "Ruzenwang, a senior electrical trader, thinks that" fruit insurance "is just a gimmick for vouchers coupons, of course, to some extent, insurance.

Guo Lijun, a professor of insurance at the Central University of Finance and Economics, told reporters that the exact definition of insurance means that the insured will pay the insurance premium to the insurer according to the contract, and the insurer shall be liable for the damages arising from the occurrence of the accident which may occur in the contract. "Fruit Insurance", although it is a gift insurance, but in essence to provide security for other businesses, consumers do have the relevant needs, it has a part of the insurance elements. "But certainly not formal insurance, all insurance products must be sold by qualified insurance companies, and to the insurance regulatory department for the record, I think ' fruit insurance ' is playing a ball." ”

Guo Lijun that, first of all, "fruit insurance" this term will mislead consumers on the knowledge of insurance, and secondly, for other companies to provide security, apparently not in the business scope of ordinary electric business, suspected of operating beyond the scope.