近期，部分旅行社在代购旅游保险过程中暴露出违规操作，引发消费者投诉。广州的李女士反映，虽然合同约定意外险为自愿购买，但抵达北京后却被强制要求每人缴纳80元 1。重庆也有游客遭遇类似情况，被收取人均150元的7日意外险费用，然而旅行社实际向保险公司缴纳的保费人均仅1.8元，且当游客提出退款或索要发票时遭到拒绝 1。宁波的杨先生则指出，其所在旅行团7人共支付560元保费，但旅行社实际缴纳金额仅为16.1元 1。
除了“高收低交”，虚假宣传和保单缺失也是主要问题。成都一家旅行社在广告中宣称赠送最高保额80万的旅行险和意外险，但在最终签署的合同中标注消费者选择放弃购买 1。安徽淮南的孙女士称，其一行6人支付了480元保险费，却迟迟未收到任何保单 1。针对这些行为，律师魏亚楠表示，强制购险、收取保费却不提供保单等做法违反了消费者权益保护法，构成消费欺诈 1。中山大学副教授罗浩进一步解释，依据旅游法规定，旅行社应当履行提示义务而非强制手段，必须尊重消费者的意愿 1。
Recent reports have exposed widespread irregularities in how certain travel agencies handle insurance purchases for tourists, ranging from forced sales to significant discrepancies between collected fees and actual premiums paid to insurers. 1 In one instance involving a tourist named Ms. Li from Guangzhou, a contract initially stipulated that accident insurance was voluntary, yet she was compelled to purchase the coverage at 80 yuan per person upon arriving in Beijing. 1 Similarly, Mr. Yang from Ningbo reported that his travel agency collected 560 yuan in premiums for seven people but only paid 16.1 yuan to the insurer, revealing a massive markup hidden within the service fee. 1 Another case from Chongqing highlighted similar practices, where tourists paid 150 yuan per person for a seven-day accident insurance policy while the actual premium cost was merely 1.8 yuan per person; when they requested refunds and invoices, the agency refused to comply. 1
Beyond price gouging, agencies are also accused of deceptive advertising and withholding documentation. 1 A Chengdu-based agency advertised complimentary travel and accident insurance with a maximum coverage of 800,000 yuan, yet the fine print in consumer contracts indicated that buyers had chosen to waive this benefit. 1 Furthermore, Ms. Sun from Huainan, Anhui, stated that her group of six paid 480 yuan for insurance but never received their policies. 1 Legal expert Wei Yanan argued that these behaviors—forcing insurance purchases, collecting premiums without providing policies, and misleading advertisements—constitute consumer fraud and violate the Consumer Rights Protection Law. 1 Luo Hao, an associate professor at Sun Yat-sen University, emphasized that under the Tourism Law, agencies are required to remind travelers about insurance options but must not force them, as consumers’ autonomous choices must be respected. 1
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