Research On The Legal Issues Of Insurance Consumer Rights Protection

With the booming development of the insurance and changing consumer trends,the insurance has become an inseparable part of people's daily consumption.Compared with conventional tangible goods,the insurance products and service seems to much more professional and technical.It is difficult for customers to know about the insurance with their own experience and skills,and thereby to find themselves in a disadvantageous position.Therefore,such a special protection for insurance consumers becomes a necessity.Currently,our country's insurance consumers' rights and interests protection has many imperfect places on legislation and supervisory,it is necessary to set up perfect insurance consumer protection system.This article starting from the definition of insurance consumers and its rights and interests,analyzing protection status and problems in the protection of insurance consumers in our country,learning from experiences and lessons of the foreign insurance to build a perfect Chinese insurance consumer protection system.Besides the part of introduction and conclusion,this article contains four parts:The first part is an overview of the right of insurance consumers.From the concept of consume and particularity of insurance consumption properties,summarizes the insurance consumers' concept and its special rights and interests.The second part introduces the protection status and problems of China's insurance protection of the rights of consumers from Insurance Law,consumer's interest protection law and insurance supervision system.The third part introduces the consumer rights and interests protection law of insurance and insurance regulatory measures about United States,Britain and Japan.Absorb the concept of the advanced system of insurance from those countries for reference,trying to find the system that suitable for Chinese reality,to protect the legal rights and interests of insurance consumers.Based on the foreign experience,the forth part starts from the perspective of law system and supervision,industry self-regulation system,dispute resolution information disclosure system and other measures to discuss the ideas and policysuggestion of how to built a perfect Chinese insurance consumer protection system.