The Regulation Of Online Insurance Trading Platforms

Now, the fake online insurance policies are more and more than before, which harm the rights of online consumers. In order to exterminate the fake insurance policies, it has to illustrate the interests and obligations of related online insurance parties, which is the reason of punishment. The online insurance platform is a medium between the online sales and the consumers, so the platform is the key of both parties. The paper has three chapters to analyze the interests and obligations of the platform.ChapterⅠis to introduce the related concepts of the online insurance and the fake insurance policy. First, this chapter talks about the main types of online insurance and the development of online insurance. Second, it shows the features and reasons of fake online insurance policies.ChapterⅡis about the orientation and blame of the online insurance platform. As a medium, the online platform has to responsible for more and more fake insurance policies. First, the online insurance platforms are divided into three types. Second, the paper analyzes the position in law and the rights and obligations of the three different platforms. Third, the platforms have different blame to fake online insurance policies. The paper takes limitation of liability, in order to promote the development of the platforms, if the platforms are not on purpose to sell fake online insurance policies.ChapterⅢis about the suggestions of against fake insurance policy. The suggestions are made from the online insurance platforms, the government and the online consumers. The writer thinks that fake insurance policy is happened, without the cooperation among three parties. Therefore we should work together to against fake insurance policies. As the platform providers, they have the obligation of checking the online insurance sales, cooperate each other and do the occupation trains. As the government, it has to enhance the capability, with supervision and controls and punishments. As the consumers, they should improve the consciousness and ability of against fake insurance policies.