The Study On Internet Insurance Consumer Rights Protection

Today,all walks of life are exploring new development models.The wide coverage of the Internet has made "Internet+" an important mode of seeking new development in various fields,and the insurance industry will not be an exception.Not only traditional insurance companies develop online sales,but also companies specializing in online insurance sales have emerged.Even some e-commerce platforms are developing and selling insurance products.The fast-tracking of the Internet in the financial industry is unstoppable,but rapid development is often accompanied by many problems.Due to its own particularity,as well as its regulatory difficulties and imperfect laws and regulations,Internet insurance contains many risks.The rights and interests of Internet insurance consumers are extremely vulnerable,and therefore must be a analysis of the key issues on the protection of their rights and interests.On this basis,propose feasible and perfect methods to achieve better protection of their rights.This paper finds that the rights and interests of Internet insurance consumers are easily violated,among which the most important and most vulnerable rights and interests are the right to know,the right to personal information and the right to claim insurance benefits.Therefore,this paper focuses on the analysis of these three rights'protection problems and puts forward suggestions for improvement on this basis.The structure of this paper is divided into four chapters.The first chapter is the presentation of the problems,and the following three chapters are the specific analysis and research of the three legal issues.Chapter 1 is to clarify the concept of Internet insurance consumers and put forward the problems.Firstly,elaborates the concept of Internet insurance and insurance consumers.Proceeds with the concept of consumers,referring to the definition of"consumer insurance" in British law,and combining with China's legislation to interpret the concept of insurance consumers.Secondly,according to the particularity of Internet insurance and the theory of contractual justice,this paper discusses the theoretical basis for the special protection of consumers' rights and interests in Internet insurance.Finally,three key issues of the protection of consumers' rights and interests in Internet insurance are put forward,namely,the protection of the right to know,the right to personal information and the right to claim insurance money.Chapter 2 is the analysis and discussion of the protection of consumers' right to know of Internet insurance.First,it clarifies the main problems faced by the protection of consumers' right to know is the problem of misleading sales of insurance network sales platform and insufficient performance of insurer's explanatory obligation.The reasons for the problems lie in the defects of the legal system.Finally,from the information disclosure system of Internet insurance and the sale of Internet insurance,it can be concluded.In the retrospective management system and the improvement of the Internet insurer's explanatory obligation system,this paper puts forward some suggestions for the improvement of the right to know protection.Chapter 3 discusses the protection of personal information of Internet insurance consumers,the main problem is the problem of insurance institutions in collecting and using personal information of insurance consumers and the problem of network security risk.The main reason for these problems lies in the lack of legislation and supervision.Therefore,the suggestions of law and supervision are put forward for improvement.On the issue of legal norms,this paper mainly discusses some of the laws closely related to the subject,The problem of legal norms mainly starts from several laws closely related to the theme,and analyzes the part involving personal information rights.In terms of supervision,it mainly discusses the subject of supervision and regulatory norms.Chapter 4 is the analysis of the protection of consumers' claim for insurance premium in Internet insurance.It mainly analyses the subject of liability,the establishment time and place of electronic insurance contract and the problems in the way of litigation protection.In the way of litigation protection,it analyses the problems of Internet courts and electronic data formal evidence,and on this basis,it raises the suggestions for improvement.