Research On Legal Problems Of Internet Insurance

In the era of big data,the new generation of information technology and insurance industry integration innovation has created a new insurance incremental market and injected new blood into the entire insurance industry.In the emerging Internet insurance,the development risks that will be faced.It has the risk of its own insurance industry and the legal risk of Internet insurance.The traditional insurance law has been difficult to regulate the Internet insurance in the era of big data.There are many legal issues arising from Internet insurance.Through the analysis of the status quo and the particularity of Chinese Internet insurance,it is found that the legal problems of Chinese Internet insurance are mainly reflected in the lack of access conditions and withdrawal criteria of Internet insurance institutions.The defects of the Internet insurance contract itself make it difficult to determine the effectiveness of the contract.Internet insurance is difficult to protect consumer privacy.Third-party network platforms and Internet insurance new types of insurance are confusing and lack regulation.To solve the above-mentioned problems of Internet insurance,we must tighten Internet insurance access conditions and exit regulations,establish a mechanism to ensure the effectiveness of Internet insurance contracts,strengthen protection measures for Internet insurance consumer personal information and improve the qualification screening system for third-party Internet platforms.We should establish a new Internet insurance coverage review system.Only in this way can we effectively prevent the legal risks of Internet insurance.