Women's flight delay compensation of 3 million was arrested. Which insurance company called the police?

In the past two days, the flight delay insurance has been hot searched. In the past five years, a woman in Nanjing has paid nearly 900 claims by purchasing air delay insurance, earning more than 3 million yuan. At present, people are criminally detained by the police on suspicion of insurance fraud.

Some netizens said that Li didn't do anything wrong, and there were loopholes in the insurance company's own product design. Why should customers pay the bill? Some netizens also said that this is obviously a "bonus hunter", which is detrimental to social fairness.

In response to this incident, beijing business today interviewed Yang Wei, CEO of Beijing Shiyibei Technology Co., Ltd. today. The following is the interview content:

Question 1: What do you think of the above events? What needs to be changed at present?

Yang Wei: First of all, I think everyone's initial intention in making this product is good. It is a good thing that consumers have such demand and insurance companies have such ability to provide protection. This incident is a special case, and insurance is based on the principle of good faith. She didn't abide by the principle of good faith and took advantage of the rules, so she needs to be punished.

Question 2: From the past, some market participants once thought that flight extension was a kind of "gambling nature". What do you think of this view? Does flight delay insurance also have certain protection attributes? What are the specific aspects?

Yang Wei: Insurance requires the beneficiary to have insurable interest in the subject matter insured. If you deviate from this principle, it will become gambling. The original intention of the birth of flight delay insurance is to compensate the insured for the economic losses caused by flight delay, such as the extra catering and accommodation expenses caused by the delay. If the buyer of flight extension insurance does not take the flight, there will be no economic loss caused by the delay, and there will be no insurable benefit to the subject matter of insurance.

Question 3: Under the background that the growth rate of auto insurance is gradually slowing down and non-auto insurance is welcoming the development stage, what do you think is the entry threshold for small and medium-sized insurance companies to operate air extension insurance? What difficulties need to be overcome in the development process? Do corporate property insurance and credit guarantee insurance have more advantages in the difficulty of exhibition industry and the improvement of premium income?

Yang Wei: The entry threshold for operating aviation delay insurance seems to be relatively low, but it is actually relatively high. Commercial entities need to be able to establish a strong risk control system in order to minimize speculation in the risk pool at the lowest cost.

The current situation is that consumers' active consumption demand is very strong, but the demand can not be met in many cases. Operators should provide more products and services to meet the demand. In particular, some problems can be done through the platform to improve the level and professionalism of risk control. Don't fight alone, be bold, and adopt a more open attitude, so that independent technology platforms can enter this market and play a role.

Question 4: In your opinion, what aspects should the insurance industry and related airlines improve and strengthen in order to change the phenomenon of frequent fraudulent insurance in the future?

Yang Wei: It is more effective to control risks and improve operational level through trading scenarios.

We must remain open in the future. In order to keep open, we must pursue fairness, believe that technology and specialization will bring changes, deepen technology, and solve the contradiction between supply and demand by improving our professional quality and diversity.