With the rapid development of the insurance industry,the infringement on the rights and interests of insurance con-sumers has become increasingly prominent.Compared with traditional consumers,insurance consumers are at a greater disadvan-tage.The adhesion nature of the insurance contracts,the complexity of contract clauses,and the bias of information all have led to the disparity of the status of the two parties to the transaction,thus insurance consumers face multiple difficulties.At present,the competition in the insurance industry is becoming increasingly fierce,and the infringement on consumer rights and interests such as misleading sales is becoming increasingly serious,and the number of insurance consumer complaints is increasing year by year.In view of this,this paper discusses the importance of insurance consumer protection from the perspectives of the characteristics of insurance transactions,the changes in the functions of the insurance system in the past 100 years of development,and the changes in the focus of marine insurance legislation and modern insurance legislation,and discusses the necessity of stipulating the princi-ple of consumer protection in China's Insurance Law.In order to improve the rules of insurance consumer protection at the legisla-tive level in the context of the fifth revision of the Insurance Law of the People's Republic of China,which has been launched in China,it will be helpful to deepen the concept of insurance consumer protection and the application of relevant systems.
关键词
商人保险/消费者保险/信息不对称/消费者保护原则/消费者权益保护
Key words
merchant insurance/consumer insurance/information asymmetry/the principle of consumer protection/protection of consumer rights and interests
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