Research On Legal Protection Of Insurance Consumers' Rights And Interests

Insurance plays an important role in improving the level of economic development,improving the level of social civilization and improving the ability of social governance.It is not only an important part of the market economy but also an important means of preventing risks.With the increasing awareness of potential risks in life in today's society,more and more consumers are turning their attention to insurance goods and services,and gradually begin to contact and understand them,which makes the insurance industry develop rapidly and rapidly.However,due to the complexity,professionalism,diversity and other characteristics of insurance products,the rights and interests of insurance consumers have been repeatedly infringed,and the related systems are not perfect,insurance consumers have obviously become weak,and China is at this stage due to relevant laws and The supporting administrative supervision system is not perfect.In addition,insurance consumers' own factors such as lack of insurance knowledge,weak awareness of rights protection,etc.,self-protection ability is relatively poor,and insurers' infringement behavior is more serious.The infringement of the insurer not only damages the legitimate rights and interests of the insurance consumers,but also greatly reduces the credibility of the insurance industry and hinders the healthy development of the insurance industry.Therefore,it is necessary to strengthen theoretical research on how to effectively protect the rights of insurance consumers,propose feasible suggestions,and reasonably guide practice.This paper is divided into four parts.The first part outlines the rights and interests of insurance consumers from two aspects.Firstly,the insurance consumers are defined.Secondly,the particularity of insurance consumers and the interests of insurance consumers are analyzed.The second part discusses the legislative and regulatory aspects of the status quo of China's insurance consumer rights protection.The fourth part,in view of the legal protection of insurance consumers' rights,puts forward suggestions for improving the legal protection of insurance consumers in China: improving the insurance consumer protection laws,improving the insurance consumer rights protection supervision system,and improving the insurance consumer dispute resolution mechanism.