消费者在日常扫码充电、租赁充电宝、观看视频等操作中，频繁遭遇弹窗诱导而在不知情的情况下被办理保险，随后银行卡被自动扣款[1]。记者调查发现，王先生首月仅被扣费数元，此后每月扣除70多元[1]；索朗先生在充电桩扫码时被诱导输入身份证号和银行卡号，随即遭遇银行扣款[1]。
诱导方式主要包括三类：首月低价套路、平台默认搭售和伪装弹窗广告[1]。专家指出，这些行为违反了广告法、电商法和保险销售行为管理办法[1]。中国政法大学知识产权中心特约研究员赵占领强调，弹窗广告必须显著标明广告字样，并确保消费者可一键关闭[1]。《保险销售行为管理办法》明确禁止使用强制搭售、默认勾选等方式订立保险合同[1]。
消费者在此类情况下享有充分的法律保护。中国法学会消费者权益保护法研究会副秘书长陈音江指出，应将举证责任转移给平台和经营者[1]。消费者有权主张相关保险合同无效，并获得相应赔偿[1]。
Consumers across China are falling victim to unwanted insurance policies triggered by pop-up advertisements during everyday activities, only to discover unauthorized charges on their bank accounts weeks later.[1] The practice has emerged as a widespread problem affecting users who scan QR codes at charging stations, rent power banks, or browse videos, with victims reporting they were induced to provide personal identification and banking information without their knowledge.[1]
The schemes rely on three primary deceptive tactics, according to investigative reporting.[1] Operators employ artificially low initial charges—such as a few yuan in the first month—to disguise the true cost before significantly higher fees are deducted in subsequent billing cycles.[1] Platforms also use default opt-in settings that automatically enroll users into insurance plans, and strategically place pop-up links disguised as advertisements across consumer-facing services.[1] One consumer, identified as Mr. Wang, discovered he was charged only a few yuan initially but subsequently faced charges exceeding 70 yuan per month.[1] Another victim, Mr. Suolang, reported being prompted to enter his identity card number and bank account details while scanning a charging station QR code, leading to unauthorized withdrawals.[1]
Legal experts have identified multiple violations in these practices. Zhao Zhanling, a research fellow at the Intellectual Property Center of China University of Political Science and Law, emphasized that pop-up advertisements must clearly display the word "advertisement" and provide users with a one-click closure option.[1] The Insurance Sales Conduct Management Measures explicitly prohibit using coercive bundling or pre-checked boxes to establish insurance contracts.[1] Chen Yinjiang, vice secretary-general of the Consumer Rights Protection Law Research Association under the China Law Society, has called for shifting the burden of proof to platforms and operators.[1] Affected consumers retain the right to declare these contracts invalid and seek compensation for unauthorized charges and losses incurred.[1]