Study On Insurer's Explanatory Obligation In Self-insurance Card Business

With the advent of the information age,the Internet is affecting people's way of life in all aspects,and the insurance industry has undergone profound changes.Once this new type of insurance product was launched,it was welcomed by the majority of insurance consumers and soon took an important share in the insurance market.However,due to the late start of China's insurance e-commerce,the current academic research on the card-related business is still not a system,and neither the legal nor the regulatory level has a qualitative and effective constraints on this product.In practice,it will inevitably produce some disputes and disputes.Based on the specificity of the card-based business,this article compares and analyzes the existing viewpoints of the theoretical community.First,it defines the nature of the two business processes of purchasing insurance cards and activating insurance cards in the card-type business.According to the “completely independent”,the establishment time of the insurance contract in the card-type business was determined,and the time,the object of fulfillment,and the scope of fulfillment of the obligation were clearly defined.Secondly,through the study of the manner in which the insurance companies performed their stated obligations in the card-type business,it was clarified that the “link” method used by insurance companies in large quantities is not a clear statement of the proper performance of the obligation,and suggestions for improvement are proposed in accordance with the current legal regulations.Finally,on how to improve the performance of the card-type business clearly,this paper puts forward four suggestions in terms of theory and practice,including improving related legislation,strengthening the supervision of card-type business,improving the activation process,and improving the insurance agents' Business level.