The Study Of The Protection Of The Rights And Interests Of Insurance Consumers

The insurance industry occupies an important position in the global scope, closely linked with people’s daily life and production activities. Along with our country insurance institutions expanding and insurance premium income increasing, insurance products are necessities in the lives of many people. Insurance has the loss compensation, financing and social management functions, and compensation for the loss function is the most basic function, which is the fundamental intention of the majority of insurance consumers buy insurance products. However, the insurance market information asymmetry, insurance consumers lack of corresponding insurance knowledge, who are at a disadvantage in the transaction process of insurance when facing insurer with strong position. Therefore the insurer violating the legitimate rights and interests of consumers events occur frequently, which greatly undermine the enthusiasm to purchase insurance products, even the consumers lose confidence in the insurance industry.In view of this, China promulgated a series of laws and regulations to standardize the management of insurance industry. In2009the implementation of the Insurance Law symbolized our country insurance industry officially entered the era of consumer rights and interests protection. The protection of insurance consumers’ rights and interests in our country is in the initial stage of development, still need the joint efforts of government, insurance institutions and consumers, safeguard the legitimate rights and interests of consumers.This paper is based on the related theories. First of all, using the method of literature review, discussion on related literature protection insurance rights and interests of consumers, referring to the research results of other scholars in this field. Secondly, analysis the present status of insurance protection of the rights and interests of consumers in China and existing problems; on the insurance consumer experience of developed countries. Finally, this paper combined with the the situation in our country, and advanced experience of insurance consumer rights and interests protection of developed countries, put forward feasible suggestions to perfect our country insurance consumer rights and interests protection system.