Insurance Consumers’ Rights And Interests Protection System Research

As people living standard improving, the pursuit of higher quality of lifeinsurance products gradually into people’s horizons. Due to insurance product isdifferent from the traditional tangible goods, makes it hard for people when buycomprehensive and accurate understanding of insurance products, which showedmore obvious weak position. With the rapid development of China’s insuranceindustry, insurance policy-holder, insurant and beneficiary has gradually in the fieldof consumer identity, the term "insurance consumers" is also frequently appear in eachbig media and circ issued, insurance protection of the rights and interests ofconsumers by the social from all walks of life more and more attention. Under thisbackground, the new revised "insurance law" clearly reflects the intention ofstrengthening the protection of rights and interests of insurance consumers. But, ourcountry’s insurance consumers’ rights and interests protection also has many imperfectplaces, it is necessary to set up perfect insurance consumer protection system.This text according to "insurance consumers and rights defined"-"the status quoof China’s insurance protection of the rights and interests of consumers"-"consumerrights and interests protection system of draw lessons from foreign insurance"-"theimprovement of the system of protection of the rights and interests of insuranceconsumers" order, consists of four parts.The first part to define concepts and their rights and interests of insurance consumers. Through the analysis of the concept of insurance consumers’ concept.From because of the particularity of insurance consumption properties summarizes thefour special rights and interests of insurance consumers, finally discusses on thenecessity of the protection of the rights and interests of insurance consumers.The second part introduces the status quo of China’s insurance protection of therights and interests of consumers. Respectively from the present situation of theinfringement of the right of insuranceThe third part introduces the three countries the United States, Britain and Japanabout consumer rights and interests protection law of insurance and insuranceregulatory measures, etc. Absorb the concept of the advanced system of insurancedeveloped countries for reference, trying to find the system that suits China’s nationalconditions, to protect the rights and interests of insurance consumers.The fourth part analyzes the how to perfect our country’s protection of the rightsand interests of insurance consumers. Mainly includes five parts of contents: one isthe perfection of legislation protection, Suggestions on the framework of the financialconsumer rights and interests protects a law "to protect, and introduce the principle oflegitimate expectation. Second, consummates our country’s solvency regulation, inorder to protect the insurance as the main target consumers. Three is the legal reliefprogram and the improvement of the dispute settlement mechanism, introducing smalllitigation procedure, set up unified handling dispute mechanism to fully protect therights and interests of insurance consumers. Four is the improvement of the insuranceindustry self-regulatory organizations, strengthen the role of the insurance industryassociation, strengthen the education of insurance professionals, improve the level ofinsurance team. Five is to strengthen the education of insurance consumers, throughvarious channels to improve insurance consumers’ insurance knowledge andconsciousness.