Chapter 612: Is your no-deductible statement true or false?
Chu Qian recently received a request for help from a fan, Xiao Yang. It turned out that she purchased a critical illness insurance policy from XYZ Insurance Company, but was rejected when she made a claim after the reporter passed away.
Xiao Yang said excitedly: "My dad has terminal lung cancer. It is said that this kind of insurance can pay for claims as long as he has a serious illness. I bought it specifically to take care of dad's treatment costs. But now that everyone is gone, the insurance company still doesn't pay the claims."
, this is too much!”
After listening to Xiao Yang's appeal, Chu Qian fell into silence.
She is well aware of the many shady stories of denial of claims in the insurance industry. It seems that she encountered an irresponsible insurance company this time.
"Don't worry, since you trust me, I will definitely help you expose this fraud!" Chu Qian solemnly said to Xiao Yang.
In order to investigate thoroughly, Chu Qian first contacted XYZ Insurance Company, and she forcefully asked the other party to explain the reason for the refusal of compensation.
"We are just acting in accordance with the regulations. This does not constitute a refusal of compensation." The other party's tone was very unfriendly.
"What regulations? I need to see the original text of your terms." Chu Qian continued to ask.
"This..." The other party was stopped by the question and hesitated.
"It seems that you are deliberately making things difficult for the policy holder, right? This is fraud. Aren't you afraid that the policy holder will hold you legally responsible?" Chu Qian asked calmly.
However, after the other party hesitated for a while, he hung up the phone and when he called again, his phone was turned off.
In order to help the poor fans seek justice and expose the shady story of XYZ Insurance, Chu Qian decided to secretly visit their sales personnel.
She pretended to be a customer who was interested in purchasing insurance and went to the office of an insurance salesperson for consultation.
…
"With your critical illness insurance, if I get a terminal illness, will I be fully compensated?" Chu Qian asked pretending to be very concerned.
"This...maybe not that simple." The insurance salesman looked confused.
"What do you mean? Can you explain it in detail?" Chu Qian continued to ask.
"Well, this insurance has many exemption clauses. It depends on your specific situation, and it may not be able to compensate you." The insurance salesman finally answered vaguely.
"I see, you don't want to take responsibility at all, do you?" Chu Qian directly pointed out the core of the problem.
"This...you can't say that." The insurance salesman was embarrassed by Chu Qian's question.
"I have found out your true colors, and your methods of deceiving consumers cannot be hidden from me." Chu Qian stood up and said to the insurance salesperson very seriously.
"You! Who sent you here?" The insurance salesman's face changed drastically. It was obvious that Chu Qian had seen through the nature of the fraud.
"I am conducting an investigation on behalf of the interests of consumers. Your good days of defrauding insurance companies are over!" Chu Qian announced without fear.
After the investigation, Chu Qian exposed the inside story.
This insurance company was immediately criticized and attacked by many netizens:
"It's so black-hearted, it's just a trick!"
"An unscrupulous company that refuses to compensate must not be trusted!"
"Support the anchor and expose the chaos in the insurance industry!"
"And there are insurance companies like this that dare to charge fees even though they clearly do not assume responsibility?"
"It's so abominable, this kind of company should disappear!"
Under the pressure of public opinion, XYZ Insurance Company was forced to renegotiate with Xiao Yang.
Under Chu Qian's supervision, the company signed a compensation agreement and paid Xiao Yang a full compensation according to the contract.
After receiving the compensation, Xiao Yang said excitedly: "Thank you so much, sister Chu Qian! If it weren't for you, our mother and daughter would have been completely ruined."
"This is what I should do. You must take good care of your body." Chu Qian comforted her with gentle words.
"Yeah!" Xiao Yang nodded heavily with red eyes.
Once again, Chu Qian stood up for ordinary consumers, stopped the insurance company's fraud, and helped them seek justice.
After seeing that Xiao Yang received the compensation, fans shouted in the comment area:
"Damn, I'm so excited! Sister Yang, I'm happy for you!"
"My beautiful Chu girl is invincible and will directly turn the insurance company into a scumbag!"
"Hahaha, it feels so good to be slapped in the face by a garbage company that bullies ordinary people!"
"Keep up the good work, beautiful anchor, there are more people who need you to punish bad companies!"
"Sister Chu is awesome! You are the great savior in our eyes!"
"I love you so much! Remember to reply to my private message later!"
Seeing the cheers of the fans, Chu Qian smiled knowingly.
After this incident, another fan sent her a private message, hoping that she could help expose the auto insurance scheme that is also one of the biggest insurance pitfalls!
This proposal has been supported by the majority of fans in the live broadcast room!
So Chu Qian decided to continue to expose the shady secrets of the auto insurance business.
This time, she chose to fight against the false propaganda of a well-known auto insurance company...
This auto insurance company claims to have "no deductibles in compulsory traffic insurance" and advertises on major websites every day.
But after in-depth investigation, Chu Qian discovered that this was just a promotional method used by the company to attract customers.
This company's compulsory traffic insurance actually has many deductible clauses, and it is not at all "no deductible" as they advertise.
In order to confirm this, Chu Qian pretended to be a car advocate who was interested in this insurance and conducted on-site investigation.
She first contacted Ms. Li, a salesperson of this company, and expressed her intention to purchase insurance.
Ms. Li immediately enthusiastically introduced their "no deductible" car insurance, claiming that as long as an accident occurs, claims settlement is very convenient and quick.
But when Chu Qian asked about the deductible clause, Ms. Li’s answer was hesitant:
"Well... insurance has detailed rules, and we can't guarantee that there will be no deductibles."
"What do you mean? It seems that there is no deductible, right?" Chu Qian continued to ask.
"You also know that every insurance product will have some small exclusions..." Ms. Li looked embarrassed.
"So your advertising is deliberately misleading consumers?" Chu Qian directly pointed out the essence of the problem.
"No, no, no, we didn't intentionally mislead, we just have necessary details..." Ms. Li hurriedly defended.
"In this case, I still hope that you can clearly explain the scope of the claim and not play word games, so as not to mislead consumers, right?" Chu Qian said with a smile.
And Ms. Li could only hesitate and didn't know what to do.
Chu Qian stopped there, said goodbye and left, despising the other person as just a part-time worker.
It’s not the salespeople who are evil, but the company behind them that customizes the products!
After this investigation, Chu Qian decided to expose this fraudulent false advertisement in the live broadcast room.
She issued a warning to everyone during the live broadcast:
"Family members, please do not be misled by the 'no deductible' gimmick advertisement! This is very likely a means to deceive consumers!"
"I have investigated several auto insurance companies and found that there are actually many deductible clauses in compulsory traffic insurance, and they are not truly free of deductibles at all!"
"Everyone must improve their identification skills and don't be fooled by this kind of false advertising!"
As soon as the exposure video came out, it immediately went viral on the Internet:
"I knew this car insurance was too fake. It turned out to be false advertising!"
"Humph, this kind of dishonest insurance company has exposed its true colors!"
"Well done to the anchor for exposing their lies!"
"This company is so abominable, blatantly deceiving people!"
Under continued pressure from public opinion, the auto insurance company had to respond, stating that it would revise its advertising language and apologize for matters that may have misled consumers.