| The internet is changing our traditional way of economy and life. The insurance, once called"the last sleeping giant"of financial industry, is opening its gate to the internet. Online insurance has come into being with the rapid development of modern information technology and e-commerce. As a law issue of modern society, online insurance is drawing the attention of insurance and law industry. It is a brand-new concept of management and module of commerce. The extensive meaning of online insurance, also called insurance e-commerce, is the business management system established on the basis of information technology, and the insurance business and management activity developed by means of internet. The intensive meaning of online insurance is the business that the insurance agents provide the information of insurance and service to the customers through internet or via e-commerce, and then sell insurance products or provide insurance service to customers by signing the on-line contract.Compared with developed countries, China now has no legal system of online insurance, lacks of deep study on theories, and there are many problems in practice, which hamper its development in China. To change such phenomenon, it is necessary to make analysis on the relevant legal problems which remain un-affirmative. By using the methods of jurisprudence analysis and comparative analysis, with the combination of current situation of internet technology and e-commerce in China, this thesis tries to make a study on the relevant legal problems from four aspects, hoping to assist the development of online insurance.This thesis is made up of four chapters. The main content of each chapter follows as:Chapter One: Brief introduction to online insurance. Explain the connotation of online insurance from extensive and intensive meaning, analyze its characteristics; introduce its development in Europe, America, Asia and China; and discuss its position and prospective in modern insurance industry.Chapter Two: The signing and validity of online insurance contract. Discuss comprehensively the problems of its nature and law character; confirmation of subject qualification and identity; signing and the validity of the contract. Try to seek a reasonable solution from the angle of law.Chapter Three: Internet website as the third party and its position in law. As a band-new role in insurance industry, internet website as the third party plays an important part in online insurance. The chapter discusses the definition, mode and function of the internet website as the third party, and compares and analyzes its development in the US and China. By discussing its law character and position from the angle of agents and platform providers, the chapter puts forward the suggestion of rules and law on the insurance website.Chapter Four: The bottleneck problems of online insurance development and its legal protection. The privacy protection and moral risk are the two bottleneck problems of online insurance development. Based on analysis and discussion of the two problems, the chapter suggests the law on privacy protection and expounds the prevention of moral risk and its law duty.
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