Research On Consumer Rights Protection Of Internet Insurance

In the crucial period of entering the new normal of the economy in our country,an innovation-driven development strategy based on the Internet emerges as the times require,and all the major industries have actively sought innovation and transformation under "Internet +" opportunity.Under the impact of the Internet era,the financial industry is also undergoing a new round of tremendous changes,in which the insurance industry,as an important industry of our modern economy,is seeking new integration with Internet innovation.China has formally entered the Internet insurance industry since the establishment of the first Internet Insurance Company's Information Network in 1997.It has made great progress and remarkable achievements in the past ten years.Today's insurance institutions mostly use a combination of online and offline business models.Not only the official websites,but also emerging many new mobile phone clients.In 2014,the State Council promulgated Several opinions on speeding up the Development of Modern Insurance Service Industry.The opinions clearly pointed out that insurance companies should be supported to actively use new technologies such as the Internet,cloud computing,big data and mobile Internet and other new technologies to promote innovation in the distribution channels and service models of the insurance industry.Premier Li Keqiang put forward the "Internet +" plan at the Third Session of the 12 th National People's Congress,which provided a good development environment for the future development of Internet insurance,and promoted the transformation of the traditional insurance industry development model.It has injected new vitality and elements into the traditional insurance industry.However,the emergence of new things is accompanied by great risks and challenges.While the Internet insurance industry is thriving,we should also realize that there are still a lot of problems in China's Internet insurance industry.With the rapid development of the Internet insurance industry,Internet insurance consumers have gradually become an important part of the insurance consumers.China's protection of its legal rights has not been systematicallystipulated by law,and the protection of Internet insurance consumers' rights has been stipulated.It is scattered in laws and regulations such as "Consumer Protection Law","Insurance law" and "Interim Measures for the Internet Insurance Business".At the same time,due to the late start of the Internet insurance industry in our country and the lagging nature of the law itself,the speed of legislation and supervision is not as fast as that of its innovation and development,which leads to the judicial field in recent years.The frequent occurrence of insurance disputes between Internet insurers and consumers have seriously endangered the legitimate rights of Internet insurance consumers.In the future,with the continuous development of the Internet big data,the Internet insurance industry will still face enormous opportunities and challenges.There will be more innovation and new marketing models,therefore,the future of Internet insurance will put forward higher requirements for the protection of Internet insurance consumers' rights.Therefore,the purpose of this paper is to conduct a comprehensive and systematic study on the existing rights protection of Internet insurance consumers in China,and to find out the shortcomings of the existing laws of our country,and to put forward corresponding suggestions and concrete measures.In order to improve the Internet insurance consumer rights protection system,improve the weak position of Internet insurance consumers,for the Internet insurance industry to create a more equal and harmonious development environment,and further to promote the vigorous development of the Internet insurance industry.This paper is divided into five parts,the main contents are:In addition to the introduction and conclusion,the text is divided into five parts.The first part discusses the particularity of Internet insurance consumer rights protection.Mainly discussed from the following three aspects : The particularity between Internet insurance consumers and ordinary insurance consumers;The particularity of Internet insurance poses risks to its rights protection;Reasons for insufficient protection of their rights.First,define the concept and compare with general insurance consumer to discuss the particularity of consumer nature of Internet insurance.Secondly,isummarizes the particularity of Internet insurance to get its particularity to the Internet insurance consumersrisks.Finally,analyzes the reasons of insufficient protection of consumer rights in Internet insurance.Therefore,it is necessary to obtain the protection of their right to know,personal information security rights and the right to relief.The second and third and fourth parts are mainly about the studies to the conservation status of the right to know,personal information security rights and the right to relief of the Internet insurance consumers,points out the shortcomings and problems in our current protection,puts forward some suggestions and measures to improve its protection.The fifth part summarizes the contents of the first four parts.This paper systematically sorts out the improvement of the right to protect the right of personal information security of Internet insurance consumers,further improve the legal system for Internet insurance.Effectively protect the legal rights of consumers of Internet insurance.