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网上购机票“默认”勾选航空险 捆绑销售现象仍存

2017-09-14 07:56:22   中国经济网

类似的现象在去哪儿网与同程网同样存在。其中,在去哪儿网,在订购机票时“默认”被勾选的保险产品除了航意险,还有航延险,两份保险的价格共计60元,需要手动取消。

同程旅游则选择了“区别对待”,其中,航空综合险与航延险均显示“我不需要”,航意险则“默认”勾选了一份40元,保障150万的产品。而当手动选择“我不需要购买保险”选项后,则出现醒目提示,“亲爱的用户,为了您的出行安全保障,建议您购买一份保险,如需修改请重新选择。”

值得关注的是,不同于飞猪旅行对于航意险的“一价制”,除“默认”勾选的40元方案外,同程旅游还同时提供了60元、80元、120元的保险方案可供选择,最高保额为450万。

3

“厚此薄彼”引发争议

“捆绑”现象难以彻底消失,丰厚的利润空间被认为是重要原因。据业内人士分析,航意险的最低成本在2.5元至6元区间,市面上一份航意险一般要30元左右。其中,在线旅游代理OTA渠道航意险的附加率在60%至70%,每销售一份航意险,就可获得九成以上的佣金,可谓“暴利”。而对于险企。特别是新成立的互联网财险公司而言,尽管航意险利润不多,但其对于保费规模扩张的助益亦十分显著。

事实上,尽管多数互联网旅行服务平台客户均表示,系统默认勾选属于页面设置问题,如果旅客不需要这些增值服务,可以在支付前取消。如果在支付后才发现,也可以联系客服核实后,再通过后台取消。并不属于捆绑销售。但亦有消费者坦言,部分平台人工客服难以联系,购买了搭售产品后想退款非常麻烦。

另一方面,同样是与航空相关的保险产品,险企对待航延险时却呈现出迥异的态度。夏季雷雨偏多,暑期旅游需求旺盛,双重压力之下,各地机场都出现了大面积的延误,因此消费者对于航延险的需求也有所增加。但由于赔付率居高不下,险企却不再“心仪”这种产品,不仅放弃了“默认勾选”行为,还提高了理赔门槛,如将起落地为北上广的航延险赔付延误时间由2小时增加至4小时。

在市场分析人士看来,这种厚此薄彼的选择并不明智。“当险企推出一款产品后应注意保持产品的稳定性。在航班容易延误的时段航延险虽然赚不到多少钱,但却能够赢得乘客的信任,以后购买航延险的积极性会比较高。险企自身肩负着保障的职责,在开发产品时应寻找到利益和担当之间的平衡点。”

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