A Study On Legal Risk Of The Internet Insurance

Compared with traditional insurance,the advantages of Internet Insurance are low cost,high efficiency and diversification,so Internet Insurance is more and more popular with consumers.However,Internet Insurance not only brings convenience to people,but also brings a lot of legal risks.For example,in Internet Insurance,consumers face legal risks such as information security,fraud and so on.The characteristics of virtual and electronic Internet Insurance make the identity of the insured uncertain and inappropriate when the Internet Insurance contract is concluded.The establishment standard of insurance contract is not clear,and the legal risk that the insurer states the performance standard of obligation is not clear.This paper intends to carry out a comprehensive and in-depth study of the legal problems existing in the Internet Insurance problems,hoping to put forward practical solutions through the analysis and research of this paper.The following is a brief overview of this article.The first part is an overview of Internet Insurance.The author defines Internet Insurance and summarizes its characteristics and advantages.However,due to the new development model in the process of the development of Internet Insurance,it not only develops rapidly,but also produces a large number of new legal risksThe second part discusses the legal risks faced by consumers in Internet Insurance and the measures to solve the risks.Due to the characteristics of electronic Internet Insurance and transparent information,consumers face the risk of information security,fraud and the right to know when purchasing Internet Insurance products.The third part mainly introduces the legal risks existing in the Internet Insurance contract.It is difficult to identify the policy holder because the virtualization and the electronic features of the Internet Insurance.There is few law to clearly stipulate the standard of explanation when the Internet insurer performs the obligation of explanation.In order to obtain more benefits,the insurer is more likely to risk that the insurer will not perform the obligation of explanation in the Internet insuranceThe fourth part discusses the legal risks in the innovation of Internet Insurance products.This section mainly analyzes the legal risks arising from the new product.The last part is the suggestion to solve the problems that put forward in this paper,and it is also the summary of this paper.This part gives some suggestions to solve the problems,so that to reduce the occurrence of Internet Insurance problems and promote the good development of Internet Insurance.