Insurance contracts involve many technical terms, and the insurance clauses are dense. When the insured buys insurance, they often make insurance decisions only by the preaching of the insurance salesman. Traps in insurance contracts are often set in insurance sales. The so-called insurance trap means that before buying insurance, salesmen publicize insurance products to expand their functions, or induce consumers to have a wrong understanding, or hide some exemption clauses, or misinterpret some professional vocabulary. After buying insurance, consumers found that insurance claims were not what insurance sales claimed, so they were deceived. Common pitfalls include describing insurance as a deposit or wealth management product. For example, when the insured is in urgent need of money to surrender, the premium will suffer heavy losses; Make false promises to some actual interests, and describe uncertain interests as certain high interests; The scope of publicity and protection of diseases is far greater than the types agreed in insurance contracts. Consumers must not blindly place orders based on the publicity and commitment of sales staff.

Legal basis: Measures for the Supervision of Internet Insurance Business Article 7 An insurance institution and its self-operated network platform shall meet the following conditions when engaging in Internet insurance business:

(1) The service access place is within the territory of People's Republic of China (PRC). If the self-operated network platform is a website or a mobile application program (APP), it shall go through the filing procedures for Internet information services with the Internet industry management department according to law and obtain the filing number. If the self-operated network platform is not a website or mobile application (APP), it shall comply with the provisions of relevant laws and regulations and the qualification requirements of relevant industry authorities.

(2) It has an information management system and a core business system supporting the operation of Internet insurance business, and is effectively isolated from other unrelated information systems of insurance institutions.

(3) It has a perfect working mechanism for network security monitoring, information notification and emergency response, and perfect network security protection means such as border protection, intrusion detection, data protection and disaster recovery.

(four) the implementation of the national network security level protection system, to carry out network security level filing, regularly carry out level protection assessment, the implementation of the corresponding level of security protection measures. Having a self-operated network platform for insurance sales or insurance, and an information management system and a core business system supporting the operation of the self-operated network platform, and the security protection level of the relevant self-operated network platform and information system shall be no less than level 3; For the self-operated network platform without insurance sales and insurance, as well as the information management system and core business system supporting the operation of the self-operated network platform, the security protection level of the relevant self-operated network platform and information system should be no less than level 2.

(5) It has a legal and compliant marketing model, and has established an operation service system that meets the needs of Internet insurance business, conforms to the characteristics of Internet insurance users and supports the business coverage area.

(6) Establish or clarify the internet insurance business management department, and equip it with corresponding professionals, designate a senior manager as the person in charge of the internet insurance business, and clarify the person in charge of their respective network platforms.

(7) Having a sound internet insurance business management system and operational procedures.

(eight) insurance companies to carry out Internet insurance sales, should comply with the relevant provisions of the China Banking Regulatory Commission on solvency, consumer rights protection supervision and evaluation.

(9) Insurance professional intermediaries shall be national institutions, and their business areas shall not be limited to the provinces (autonomous regions, municipalities directly under the Central Government and cities with separate plans) where the head office's business license is registered, and shall comply with the relevant provisions of China Banking Regulatory Commission on classified supervision of insurance professional intermediaries.

(10) Other conditions stipulated by China Banking Regulatory Commission.

Article 8 of the Measures for the Supervision of Internet Insurance Business If an insurance institution is dissatisfied with the provisions of Article 7 of these Measures, it shall immediately stop selling insurance products or providing insurance brokerage services through the Internet and make an announcement on the official website and self-operated network platform. Insurance institutions that meet the requirements of Article 7 of these Measures after rectification may resume relevant Internet insurance business. If an insurance institution intends to stop its own self-operated network platform business, it shall make an announcement on the official website and self-operated network platform at least 20 working days in advance. Involving the disposal of creditor's rights and debts, it shall be announced together.