Research On Cuases And Protection Against The Rights Of Insurance Consumers In China

Along with the door of our country gradually opening and the economical development, the de-mand of people rises from simple economical stratification to energetic stratification, for exam-ple the right of to be respected. This paper was on the basis of the work experience of writer andcombined with the economical theory, proposed the problem of insurance consumer protection.First, the paper clarified the definition of the rights and interests of insurance consumer ana-lyzed the status infringement upon the right and interests of Chinese insurance consumer. Second,this paper found reasons of the infringement from the analyzing of insurance regulation, insur-ance company, and insurance consumer. This paper discussed the current law, rules and regula-tion played a positive role to insurance consumer protection, but it’s still had flaw. Insurancecompanies were the major violators because of their inner management consciousness and me-chanism. A few of insurance consumers were lack of the right insurance consciousness, lead theinsurance companies to make overstep the mark and infringe more insurance consumers’ rightand interest. For example the unfair niche when designing the new insurance products.Based on the analyzing of the reasons of the infringement, this paper proposed the advisementto improve the insurance consumer protection work: fist was changing the consciousness ofevery subject, second was the mechanism should bring into play leading and protection. The goalof realizing protection of insurance consumer is identical to the goal of realizing healthy devel-opment of insurance.