Discussion On The Protection Of Consumers’ Righes In Internet Insurance

The development of Internet insurance has always been accompanied by financial innovation and the transformation of business model.With the increasing proportion of the insurance market,a series of problems have emerged,especially in the protection of consumers’ rights and interests.The traditional insurance development model has experienced nearly two hundred years of precipitation in China,with good stability and maturity.As a new type of insurance business,Internet insurance inevitably has inadequate supervision and imperfect legal system,which is also an important reason why the rights and interests of Internet insurance consumers are vulnerable to infringement.As an important part of the financial industry,insurance plays an indelible role in stabilizing the economic system.Studying the protection of consumers’ rights and interests of Internet insurance can not only protect consumers’ rights and interests and enhance consumers’ trust in the insurance industry,but also an important weapon to ensure the smooth operation of China’s economy.Firstly,starting from the weak position of Internet insurance consumers and the advantages of the industry,the paper emphasizes the necessity of protecting the rights and interests of Internet insurance consumers.Then,based on the preliminary proof of the concept of insurance consumers,the concept of Internet insurance consumers is established with the help of the provisions on Internet insurance in the law on the supervision of Internet insurance business.Secondly,by combing and summarizing the hot issues of complaints in the Internet insurance industry,this paper selects three rights:the right to know,the right of independent choice and the right of personal information,focuses on the current situation of infringement and the dilemma of protection by introducing cases,and points out that the main reasons for the infringement of the rights and interests of Internet insurance consumers are imperfect laws and regulations,backward supervision methods,lack of industry credit mechanism and lack of consumer insurance knowledge.Finally,it puts forward targeted protection suggestions from the aspects of improving laws and regulations,system construction,strengthening supervision and improving complaint channels.