“高保低赔”行业惯例正当性研究

Research on the Legitimacy of “High Premium but Low Compensation” Commercial Practice

"高保低赔"行业惯例自央视《每周质量播报》栏目曝光后一直为社会公众所诟病。保险消费者普遍认为该行业惯例违背公平正义的价值理念,属于"霸王条款"。保险业从业人员则大多持相反意见。有必要从价值、规范、技术等层面理性认识"高保低赔"行业惯例并提出建设性意见。

The practice of ＂High Premium but Low Compensation＂ in the insurance industry was criticized by the public since CCTV ＂Weekly Quality Report＂ column exposure. Insurance consumers generally believe that this commercial practice is contrary to the value of fairness and justice, therefore it is a ＂high-handed provision＂. How- ever, insurance practitioners mostly hold an opposite view. It is necessary to understand the commercial practice of ＂high premium but low compensation＂ from the aspects of value, standard, technology and so on and put forward constrnct^ve suggestmns.