디지털플랫폼 보험상품에 관한 법적 연구

Abstract

Digital platform insurance market is expected to grow rapidly due to the rapid development of IT technology and the spread of non-face-to-face culture due to corona 19. Related regulations such as the revision of the Data 3 Act have also improved in favor of the development of the digital platform insurance industry. However, the provision of health care data, which is the most important to insurance companies, has not been implemented properly until now. This is presumed to be due to a combination of extreme sensitivity of healthcare data, social wave in case of leakage, and long distrust of insurance companies. Therefore, prior to the utilization of healthcare data, insurance companies should prepare a firm plan for the protection of information subjects, and based on this, they should lead to social trust. In order to activate digital platform insurance products, it is necessary to revise the current Financial Consumer Protection Act to alleviate ambiguous and extensive explanation obligations. In particular, it is desirable to impose a differentiated explanation obligation by subdividing insurance products subject to explanation obligation. For small and short-term insurance companies, it is necessary to promote the development and sales of various digital platform insurance products by encouraging the establishment of the regulations by applying more relaxed regulatory requirements than existing insurance companies.