Research On The Legal System Of Insurance Consumer Rights Protection In China

In recent years, the rapid development of the insurance industry as well as people gradually increase in consumer demand, Insurance products, has been gradually into every corner of people’s life, become an important part of daily consumption. We can’t look at the development trend of isolated unilateral, tangible goods it with traditional people visible, tangible compared, The insurance industry has certain professional, performance in the professional products, services for the professional way, the provisions of the contract, the concept of the professional specialization. In the insurance of this very strong professional background, understand the insurance service content and scope of insurance consumers are difficult to understand, and the procedure of the contract claim. This kind of professional insurance consumers, insurance company makes compared to natural vulnerable and disadvantaged. Under this kind of weak background, the insured, the insurer, is consumer insurance compared to the general consumers. The law does not give special protection, to transform to the consumer protection law of consumer identity and. But in the current laws and regulations of the adjustment of insurance, insurance in actual judicial practice, the insurance disputes rarely in accordance with the provisions of the consumer rights and interests protection law as the basis for judgment, More is to decide in accordance with the provisions of the insurance consumers, insurance laws and regulations, special and protection of the rights and interests which lead to identity divorced. The insurance law has been revised several times, China’s current "insurance law" has been gradually improving, all aspects of the requirements have become more and more detailed, But it ignores the insured, the insurer and the beneficiary is the essence of the identity of consumers still is. Therefore, the author thinks that it is necessary to return the insurance consumer identity, and on this basis to build a system of insurance consumer protection law and the corresponding. Let the insurance consumers in addition to enjoy the "insurance law" rights, is still "consumer protection law","contract law" and other laws are subject to the corresponding protection and relief, Provide a full range, deep, multiple system, strong and effective protection for the insurance consumers in our country.This article from the concept of insurance consumer rights and interests protection present situation and theoretical basis, insurance consumers in China, Britain and the United States about insurance consumer protection, In four aspects the paths and methods of protection system of insurance consumers’ rights and interests in China, finally draws the conclusion, we should be regulated from the legal level higher, On the other hand, we should further strengthen the some regulation,"work along both lines" from two angles of legislation and supervision, Built a set of effective insurance consumer rights and interests protection system, to achieve a win-win situation of insurance consumers’ interest protection and insurance institutions for sustainable development.