Compliance Boundaries for Insurance Comparison and Review Platforms

Compliance Boundaries for Insurance Comparison and Review Platforms

As internet insurance penetration rises, third-party comparison and review platforms have become key channels for consumers to access information. However, these platforms must clearly define their role in operations, avoiding overstepping into insurance sales or misleading marketing. Regulators emphasize that platforms must ensure the objectivity and completeness of displayed information and must not use algorithmic recommendations to induce consumers to overlook policy details.

• Clearly display the full product name and the underwriting institution; avoid using vague abbreviations.
• Prominently display disclaimers, waiting periods, and other key restrictions.
• Distinguish between "review opinions" and "factual statements," and cite data sources.

The core of compliant operations lies in transparency and neutrality. If the platform compares specific insurance products, it must analyze them based on publicly disclosed terms. It is strictly prohibited to promise specific returns or exaggerate coverage scope. All descriptions regarding premium calculations and claims processes must align with the insurance contract terms and do not constitute investment advice. This approach protects consumers' right to know and mitigates potential dispute risks.