爱渭南的暖洋洋
发表于 2024-1-16 15:07
滑雪被要求购买10元保险，孩子受伤却无法理赔......
<p><span style='font-size: 16px; letter-spacing: 1px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;'>正值冰雪季，戏雪、滑雪成了热门休闲活动，西安市民丁先生带孩子去玩雪，按要求购买了保险，玩耍中受伤花费307元，理赔时出了状况……</span></p><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em; visibility: visible;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;visibility: visible;'>戏雪打雪仗风险度不高，滑雪的风险程度递增。都说滑雪的尽头是骨科，去戏雪滑雪的你，有自己买保险吗？如果买了，有了解保险的具体内容吗？</span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em; visibility: visible;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;visibility: visible;'><br style='outline: 0px;visibility: visible;'></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em; visibility: visible;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;visibility: visible;'></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; font-size: 16px; visibility: visible;'><section powered-by="xiumi.us" style='margin-top: 10px;margin-bottom: 10px;outline: 0px;text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;visibility: visible;'><section style='outline: 0px;display: inline-block;width: auto;vertical-align: top;align-self: flex-start;flex: 0 0 auto;min-width: 5%;height: auto;visibility: visible;'><section powered-by="xiumi.us" style='outline: 0px;display: flex;width: 293.167px;flex-flow: column nowrap;visibility: visible;'><section powered-by="xiumi.us" style='outline: 0px;z-index: 2;visibility: visible;'><section style='margin-bottom: -12px;outline: 0px;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;transform: translate3d(10px, 0px, 0px);visibility: visible;'><section style='outline: 0px;display: inline-block;width: auto;vertical-align: top;align-self: flex-start;flex: 0 0 auto;min-width: 5%;height: auto;visibility: visible;'><section powered-by="xiumi.us" style='outline: 0px;transform: rotateZ(293deg);visibility: visible;'><section style='outline: 0px;text-align: center;visibility: visible;'><section style='outline: 0px;display: inline-block;width: 25px;height: 15px;vertical-align: top;overflow: hidden;background-color: rgba(255, 204, 17, 0.6);visibility: visible;'><svg viewBox="0 0 1 1" style='float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;'></svg></section></section></section></section></section></section></section><section powered-by="xiumi.us" style='outline: 0px;display: flex;width: 293.167px;flex-flow: column nowrap;visibility: visible;'><section powered-by="xiumi.us" style='outline: 0px;z-index: auto;visibility: visible;'><section style='outline: 0px;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;visibility: visible;'><section style='padding: 7px 20px 7px 25px;outline: 0px;display: inline-block;width: auto;vertical-align: bottom;align-self: flex-end;flex: 0 0 auto;background-color: rgb(101, 171, 255);min-width: 5%;height: auto;visibility: visible;'><section powered-by="xiumi.us" style='outline: 0px;color: rgb(255, 255, 255);text-align: center;visibility: visible;'><p style='outline: 0px;visibility: visible;'><strong style='outline: 0px;visibility: visible;'>按要求单独买了保险却一度被拒赔</strong></p><p style='outline: 0px;visibility: visible;'><strong style='outline: 0px;visibility: visible;'>最终虽获赔偿但查不到投保信息</strong></p></section><section powered-by="xiumi.us" style='margin-top: 0.5em;margin-bottom: 0.5em;outline: 0px;visibility: visible;'><section style='outline: 0px;background-color: rgb(255, 255, 255);height: 1px;visibility: visible;'><svg viewBox="0 0 1 1" style='float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;'></svg></section></section></section></section></section></section><section powered-by="xiumi.us" style='margin-top: -7px;outline: 0px;text-align: right;transform: translate3d(8px, 0px, 0px);visibility: visible;'><section style='outline: 0px;display: inline-block;width: 15px;height: 15px;vertical-align: top;overflow: hidden;border-bottom: 3px double rgb(255, 204, 17);border-right: 3px double rgb(255, 204, 17);visibility: visible;'><svg viewBox="0 0 1 1" style='float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;'></svg></section></section></section></section></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em; visibility: visible;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;visibility: visible;'></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em; visibility: visible;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;visibility: visible;'>元旦假期，西安市民丁先生一家三口去西安市的白鹿原冰雪嘉年华玩雪。“网上购票9.9元，<strong style='outline: 0px;visibility: visible;'><span style='outline: 0px;color: rgb(0, 122, 170);visibility: visible;'>现场商家要求每人另购10元保险、10元鞋套</span></strong>。”两个大人一个孩子，又花费60元，付给了西安岭秀旅游项目管理有限公司。</span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'><br style='outline: 0px;'></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'>玩耍中出了意外，6岁的儿子嘴巴被磕破，事后丁先生带孩子就医，诊查、注射破伤风等，共花费307元。因单独买了保险，他就和商家联系理赔。一联系才知道，<span style='outline: 0px;color: rgb(0, 122, 170);'><strong style='outline: 0px;'>商家说保险设有300元免赔额，无法理赔</strong></span>。“游客都是带孩子来玩，最多小磕小碰，应该不会有较大损伤。”丁先生说，现在出了意外不管，等于单独购买的保险没作用。</span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'><br style='outline: 0px;'></span></section><p style='text-align: center;'><span class="wxart_image" wx-style='display:inline-block;'></span></p><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'>根据丁先生反映，1月9日，华商报记者前往白鹿原冰雪嘉年华，此处为冰雪主题的游乐场，场地不大，有简单的雪具，门前广告牌清楚写明，门票包含戏雪及无动力雪具，<span style='outline: 0px;color: rgb(0, 122, 170);'><strong style='outline: 0px;'>需单独购买保险和租赁鞋套</strong></span>。</span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'><br style='outline: 0px;'></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'>现场工作人员表示，保险免赔额为保险公司设定，受伤后治疗费用不足免赔额没法理赔，他们可以再联系游客尽力解决矛盾。游乐场负责人陈先生向记者提供了其投保的保险，一种为平安公众责任保险，另一为平安境内旅游意外伤害保险。他表示，两个保险都有免赔额，其提供公众责任险免赔说明中有约定“本保单每次事故标准绝对免赔15%或300元人民币，两者以高者为准。</span><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'>”</span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'><br style='outline: 0px;'></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'>当晚，丁先生告知记者，<strong style='outline: 0px;'><span style='outline: 0px;color: rgb(0, 122, 170);'>游乐园给他支付了307元医药费</span></strong>。负责人陈先生也表示，他们发现，投保的公众责任保险有免赔额、意外伤害险无免赔，之前确实没有注意到。场地同事已联系顾客尽快进行理赔。</span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'>意外保险投保需实名，丁先生根据个人信息咨询平安保险，发现游玩的当天（12月31日），根本没有投保意外险，通过个人信息查不到投保记录。可以这样说，<strong style='outline: 0px;'><span style='outline: 0px;color: rgb(0, 122, 170);'>丁先生一家当天每人交了10元保险费，实际上这10元钱商家并未给其投保。</span></strong></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'><br style='outline: 0px;'></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; font-size: 16px;'><section powered-by="xiumi.us" style='margin-top: 10px;margin-bottom: 10px;outline: 0px;text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;'><section style='outline: 0px;display: inline-block;width: auto;vertical-align: top;align-self: flex-start;flex: 0 0 auto;min-width: 5%;height: auto;'><section powered-by="xiumi.us" style='outline: 0px;display: flex;width: 243.531px;flex-flow: column nowrap;'><section powered-by="xiumi.us" style='outline: 0px;z-index: 2;'><section style='margin-bottom: -12px;outline: 0px;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;transform: translate3d(10px, 0px, 0px);'><section style='outline: 0px;display: inline-block;width: auto;vertical-align: top;align-self: flex-start;flex: 0 0 auto;min-width: 5%;height: auto;'><section powered-by="xiumi.us" style='outline: 0px;transform: rotateZ(293deg);'><section style='outline: 0px;text-align: center;'><section style='outline: 0px;display: inline-block;width: 25px;height: 15px;vertical-align: top;overflow: hidden;background-color: rgba(255, 204, 17, 0.6);'><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section></section></section><section powered-by="xiumi.us" style='outline: 0px;display: flex;width: 243.531px;flex-flow: column nowrap;'><section powered-by="xiumi.us" style='outline: 0px;z-index: auto;'><section style='outline: 0px;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;'><section style='padding: 7px 20px 7px 25px;outline: 0px;display: inline-block;width: auto;vertical-align: bottom;align-self: flex-end;flex: 0 0 auto;background-color: rgb(101, 171, 255);min-width: 5%;height: auto;'><section powered-by="xiumi.us" style='outline: 0px;color: rgb(255, 255, 255);text-align: center;'><p style='outline: 0px;'><strong style='outline: 0px;'>两家戏雪场所门票不含保险</strong></p><p style='outline: 0px;'><strong style='outline: 0px;'>有游客也不愿投保</strong></p></section><section powered-by="xiumi.us" style='margin-top: 0.5em;margin-bottom: 0.5em;outline: 0px;'><section style='outline: 0px;background-color: rgb(255, 255, 255);height: 1px;'><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section></section><section powered-by="xiumi.us" style='margin-top: -7px;outline: 0px;text-align: right;transform: translate3d(8px, 0px, 0px);'><section style='outline: 0px;display: inline-block;width: 15px;height: 15px;vertical-align: top;overflow: hidden;border-bottom: 3px double rgb(255, 204, 17);border-right: 3px double rgb(255, 204, 17);'><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'>门票中究竟含不含保险？会要求游客单独购买保险吗？华商报记者走访了西安市内及周边几家冰雪主题营业场所。</span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'><br style='outline: 0px;'></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'>西安银基冰雪世界位于西安幸福林带，1月10日下午，虽是周内，但带孩子来游玩体验的人不少，也有少量年轻人来此游玩，大多数人都是网络预订现场核销购票码进入。比如，在美团平台上订票，购票时会有滑雪意外险选项。询问现场工作人员，其表示是否购买保险游客自愿选择，并解释说，在场内游玩，如果是个人原因，比如孩子间碰撞受伤，商家不负责，但如果是场地原因造成伤害会负责。记者进一步询问银基官方客服了解到，<strong style='outline: 0px;'><span style='outline: 0px;color: rgb(0, 122, 170);'>门票中不包含保险</span></strong>。</span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'><br style='outline: 0px;'></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'>现场询问几个来游玩的市民，不少游客都表示没有额外购买保险。“抖音上买的票，没有保险选择项，不会单独买保险。”市民张先生表示，自己是领着孩子来玩，大人全程陪着孩子。“不是买机票，不会多掏一份钱买保险。”</span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'><br style='outline: 0px;'></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'>位于汉遗址的汉博宣戏雪乐园同样属于户外戏雪乐园，元旦前开始对外开放，门票价格29.9元。询问门票是否包含保险，工作人员表示，门票不包含保险，<span style='outline: 0px;color: rgb(0, 122, 170);'><strong style='outline: 0px;'>游玩内容危险性低，游客入园后的自身安全游客自负</strong></span>。</span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'><br style='outline: 0px;'></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; font-size: 16px;'><section powered-by="xiumi.us" style='margin-top: 10px;margin-bottom: 10px;outline: 0px;text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;'><section style='outline: 0px;display: inline-block;width: auto;vertical-align: top;align-self: flex-start;flex: 0 0 auto;min-width: 5%;height: auto;'><section powered-by="xiumi.us" style='outline: 0px;display: flex;width: 177.354px;flex-flow: column nowrap;'><section powered-by="xiumi.us" style='outline: 0px;z-index: 2;'><section style='margin-bottom: -12px;outline: 0px;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;transform: translate3d(10px, 0px, 0px);'><section style='outline: 0px;display: inline-block;width: auto;vertical-align: top;align-self: flex-start;flex: 0 0 auto;min-width: 5%;height: auto;'><section powered-by="xiumi.us" style='outline: 0px;transform: rotateZ(293deg);'><section style='outline: 0px;text-align: center;'><section style='outline: 0px;display: inline-block;width: 25px;height: 15px;vertical-align: top;overflow: hidden;background-color: rgba(255, 204, 17, 0.6);'><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section></section></section><section powered-by="xiumi.us" style='outline: 0px;display: flex;width: 177.354px;flex-flow: column nowrap;'><section powered-by="xiumi.us" style='outline: 0px;z-index: auto;'><section style='outline: 0px;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;'><section style='padding: 7px 20px 7px 25px;outline: 0px;display: inline-block;width: auto;vertical-align: bottom;align-self: flex-end;flex: 0 0 auto;background-color: rgb(101, 171, 255);min-width: 5%;height: auto;'><section powered-by="xiumi.us" style='outline: 0px;color: rgb(255, 255, 255);text-align: center;'><p style='outline: 0px;'><strong style='outline: 0px;'>两家滑雪场</strong></p><p style='outline: 0px;'><strong style='outline: 0px;'>推荐实名购买保险</strong></p></section><section powered-by="xiumi.us" style='margin-top: 0.5em;margin-bottom: 0.5em;outline: 0px;'><section style='outline: 0px;background-color: rgb(255, 255, 255);height: 1px;'><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section></section><section powered-by="xiumi.us" style='margin-top: -7px;outline: 0px;text-align: right;transform: translate3d(8px, 0px, 0px);'><section style='outline: 0px;display: inline-block;width: 15px;height: 15px;vertical-align: top;overflow: hidden;border-bottom: 3px double rgb(255, 204, 17);border-right: 3px double rgb(255, 204, 17);'><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'>从一般的休闲娱乐活动到滑雪运动，危险系数增高，购买保险就必不可少了。</span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'><br style='outline: 0px;'></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'>在港务大道地铁站附近的西安热雪奇迹是一家室内滑雪场，工作人员表示，游客来滑雪需实名购票，<span style='outline: 0px;color: rgb(0, 122, 170);'><strong style='outline: 0px;'>门票中包含平安保险的运动意外险，滑雪运动中造成受伤可获得保险理赔，治疗时医保内药品可报销80%</strong></span>。游客要根据实际水平选择赛道，初学者一般会选择教练，首先学习保证自身安全。工作人员也告知保险设有100元免赔额，对于安全性要求高的游客，如果不放心，也可以自行再购买意外险。</span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'><br style='outline: 0px;'></span></section><p style='text-align: center;'><span class="wxart_image" wx-style='display:inline-block;'></span><span style='font-size: 16px; letter-spacing: 1px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; text-align: justify;'></span></p><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'>记者前往离西安主城较近的白鹿原滑雪场，1月13日周末，前来滑雪的人非常多，在入口及购票大厅多个位置均有安全提醒，还有投保滑雪保险的宣传。雪场公告明确，<span style='outline: 0px;color: rgb(0, 122, 170);'><strong style='outline: 0px;'>滑雪场只收取装备租用费及雪道使用费</strong></span>。滑雪运动具有一定风险，提醒滑雪者主动购买相关保险。</span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><br style='outline: 0px;'></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'> “一个人13元，我们买了。”一位和朋友前来滑雪的市民表示。记者在现场看到，售票窗口工作人员会询问是否购买保险，如购买保险需现场填单，此外还可扫码网上投保。可以看到，游客投保的是滑雪保险，投保时需要填写个人信息，支持当天购买，支付成功11分钟后生效，无免赔额。</span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'><br style='outline: 0px;'></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; font-size: 16px;'><section powered-by="xiumi.us" style='margin-top: 10px;margin-bottom: 10px;outline: 0px;text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;'><section style='outline: 0px;display: inline-block;width: auto;vertical-align: top;align-self: flex-start;flex: 0 0 auto;min-width: 5%;height: auto;'><section powered-by="xiumi.us" style='outline: 0px;display: flex;width: 243.531px;flex-flow: column nowrap;'><section powered-by="xiumi.us" style='outline: 0px;z-index: 2;'><section style='margin-bottom: -12px;outline: 0px;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;transform: translate3d(10px, 0px, 0px);'><section style='outline: 0px;display: inline-block;width: auto;vertical-align: top;align-self: flex-start;flex: 0 0 auto;min-width: 5%;height: auto;'><section powered-by="xiumi.us" style='outline: 0px;transform: rotateZ(293deg);'><section style='outline: 0px;text-align: center;'><section style='outline: 0px;display: inline-block;width: 25px;height: 15px;vertical-align: top;overflow: hidden;background-color: rgba(255, 204, 17, 0.6);'><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section></section></section><section powered-by="xiumi.us" style='outline: 0px;display: flex;width: 243.531px;flex-flow: column nowrap;'><section powered-by="xiumi.us" style='outline: 0px;z-index: auto;'><section style='outline: 0px;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;'><section style='padding: 7px 20px 7px 25px;outline: 0px;display: inline-block;width: auto;vertical-align: bottom;align-self: flex-end;flex: 0 0 auto;background-color: rgb(101, 171, 255);min-width: 5%;height: auto;'><section powered-by="xiumi.us" style='outline: 0px;color: rgb(255, 255, 255);text-align: center;'><p style='outline: 0px;'><strong style='outline: 0px;'>不少公众责任保险有免赔额</strong></p><p style='outline: 0px;'><strong style='outline: 0px;'>个投保意外保险需实名</strong></p></section><section powered-by="xiumi.us" style='margin-top: 0.5em;margin-bottom: 0.5em;outline: 0px;'><section style='outline: 0px;background-color: rgb(255, 255, 255);height: 1px;'><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section></section><section powered-by="xiumi.us" style='margin-top: -7px;outline: 0px;text-align: right;transform: translate3d(8px, 0px, 0px);'><section style='outline: 0px;display: inline-block;width: 15px;height: 15px;vertical-align: top;overflow: hidden;border-bottom: 3px double rgb(255, 204, 17);border-right: 3px double rgb(255, 204, 17);'><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'>公众责任险指以损害公众利益的民事赔偿责任为保险标的的责任保险。简单理解，经营场所可以购买公众责任险，对游客在投保场所发生意外进行保障。</span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'><br style='outline: 0px;'></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'>针对公众责任险，记者咨询了两家保险公司，其公众责任险均设有免赔额。平安保险专员表示，<strong style='outline: 0px;'><span style='outline: 0px;color: rgb(0, 122, 170);'>不同的经营项目免赔额不同</span></strong>，<span style='outline: 0px;color: rgb(0, 122, 170);'><strong style='outline: 0px;'>一般最低设置200元</strong></span>。人寿保险投保专员表示，涉及冰雪项目摔伤等风险较高，保额也会比较高，单次事故免赔额多少根据经营项目不同设置不同，200元到1000元不等。在支付宝搜索公众责任险，众安保险一款为瑜伽馆店主定制的瑜伽场馆公共责任险，顾客在店内发生意外最高可赔100万元。保险条款中对于免赔额规定，每次事故绝对免赔额2000元或损失金额的20%，两者以高者为准。</span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'><br style='outline: 0px;'></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'>意外险多为个人投保。记者咨询平安保险，专员表示个人意外险有的不能立即生效，一般是24小时后生效，有的意外险比如旅游意外险，需要异地发生才能理赔。中国人寿保险介绍其针对运动的意外险，比如去游乐场游玩，可以入场前实名投保。</span><span style='outline: 0px;color: rgb(0, 122, 170);'><strong style='outline: 0px;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'>两家保险公司的意外险也设有免赔额，保费5元到10元，免赔额都是200元。</span></strong></span><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'><br style='outline: 0px;'></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'>记者查询网售的个人意外险，发现一款个人意外医疗险，针对摔伤、运动扭伤、交通意外等，保费每月9.9元，其设置了年免赔为1000元。多数短期意外保险，保障期限从1天到30天，一天保费几元，最高30天保费也在10元到20元间，不少设有免赔额，多数免赔额一两百元。一款不设置免赔额的综合意外险，其医疗保障没有免赔额，在保障范围内的医疗费用，医保范围内按100%进行赔付，医保范围外按80%比例进行赔付。</span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'><br style='outline: 0px;'></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'>需要提醒的是，意外保险需要个人实名投保，<strong style='outline: 0px;'><span style='outline: 0px;color: rgb(0, 122, 170);'>如果去游玩只是交了保险费却没有出具保单，没有实名投保，有可能就没有完成投保</span></strong>，所以一定要根据自己的需求明明白白投保，了解理赔的条件，是否设置免赔额等。</span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'><br style='outline: 0px;'></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'>那么，设置免赔额是否合理呢？</span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'><br style='outline: 0px;'></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><span style='outline: 0px;font-size: 16px;letter-spacing: 1px;'>陕西恒达律师事务所高级合伙人、知名公益律师赵良善认为：免赔额是指保险合同中规定的保险人不负赔偿责任的一定额度。通俗一点说，如果被保险人的损失价值在额度之内，保险公司将不会进行任何赔偿。免赔额的设置有实实在在的意义：对保险公司来说，免赔额的规定可以避免小额索赔案件，有效降低理赔费用和经营成本；而对投保人来说，理赔概率的降低，能让投保人以更便宜的价格购买保险，大大提升了保险产品保障的杆杠率。诸如医疗险、意外险等产品，遵循的是损失补偿的基本原则，投保人的补偿金额要以实际损失为限，不能获得额外收益，否则将偏离保险本质，不利于保险公司的经营和其他投保人的合法权益。如果无免赔额，保险将成为投保人获取收益的“赌博”行为，是不科学且不合理的。</span></section><p style='text-align: right;'><font size="1" face="微软雅黑" color="#c0c0c0">（来源：华商报）</font></p><p style='text-align: center;'><img src="https://www.yewn.cn/data/attachment/forum/202401/16/103825kilfnpar5knn5iz5.png"></p><p style='display: none;'><mp-style-type data-value="3"></mp-style-type></p>
~Angel~
发表于 2024-1-16 16:15
看来保险都是形式
~Angel~
发表于 2024-1-16 16:15
干啥从来不买保险
劲舞骄阳
发表于 2024-1-16 16:22
那这保险有什么意义？
劲舞骄阳
发表于 2024-1-16 16:22
这不是骗人的吗？
好人张
发表于 2024-1-16 16:51
必须维护个人的正当权益。
普通人娄
发表于 2024-1-16 17:00
依法维权，。。
普通人娄
发表于 2024-1-16 17:00
保险公司太不要脸了
孙会玲
发表于 2024-1-16 17:08
那这保险有什么意义？
浓情
发表于 2024-1-16 17:14
这不是明目张胆的骗人吗