On The Duty Of Explanation Of Internet Insurer

Since the 21 st century,the Internet information age has been on the rise,bringing different degrees of innovation to all walks of life.Internet insurance comes into being under this background.Internet insurance means that insurance companies rely on various technologies such as the Internet and mobile communication,and conduct a series of behaviors on behalf of insurance companies through independent management or third-party platforms.For example,insurance consumers browse insurance on the insurance platform through the Internet,communicate with insurers and then sign insurance contracts.It must be admitted that,with the rapid development of The Times and the rapid increase of people’s demands,the traditional offline insurance industry has already been in decline.Long time,slow review and complexity of insurance contracts are the main reasons.However,with the support of the Internet,the insurance industry is like injecting new blood.In the past 20 years,the Internet insurance has already entered a high-speed development since its implementation in China.At the same time,in the flourishing situation of Internet insurance forms,the drawbacks of Internet insurance itself or the integration with various aspects of the society are also highlighted.The difference between Internet insurance and the previous insurance industry is that Internet insurance itself has very distinct characteristics.For example,paperless,simple procedures and passivity make the business model of Internet insurance widely popular among insurance consumers.Although these features help insurance institutions reduce a large number of labor and sales personnel costs,Internet insurance itself does not rely on paper and adopts the form of digital communication.It obstructs or even interrupts the information bridge between the insurance applicant and the insurer in the traditional form of insurance,and thus the insurer’s way of performing the obligation has a great dispute or even a clear negative impact,thus nourishing all kinds of moral hazard.Moreover,the business form of Internet insurance is also different from the traditional insurance form in many details.Underwriting,underwriting and claims can be carried out on the network platform,which is indeed convenient for the policyholder,but also makes the application of Internet insurance in the existing laws appear new difficulties.Under the background of the Internet,insurance consumers’ right to know is easily infringed.In addition,the non-standard description of various matters of insurance policies on the Internet will also make insurance consumers unable to successfully understand all the contents of insurance contracts,which will lead to the eventual insurance policyholders naturally in a disadvantageous state after insurance disputes.Therefore,to be sure is our country in the Internet underwriter explain obligation definition,perform standard and to the policy-holder rights maintenance aspect and still has not made more perfect professional laws and regulations,only according to "Civil Code" or "Insurance Law" to find the way to protect rights,naturally is unable to make the Internet underwriter to fully perform its own explanatory obligation,Also cannot maintain the rights of the Internet policy-holder,for this reason,our country needs to further perfect the Internet underwriter’s explanation obligation system,to perfect the rights and interests of the Chinese Internet insurance consumer further.