온라인 보험 판매에서 설명의무 개선방안

Abstract

In Korea, online platforms for insurance sales services are increasing. In other words, the demand for non-face-to-face insurance sales services are increasing. However, the current Commercial Act, the Insurance Business Act, and the Act On The Protection Of Financial Consumers are difficult to secure the effectiveness of regulations. In addition, the problem of the elderly who are alienated from these technological developments is being raised. Therefore, it is necessary to develop a Commercial Act concerning the obligation of explanations of insurers and other financial instruments sellers. Because of the Commercial Act, an insurer to supplement the status of such insurance contracts of asymmetric information method as compared with that. In other words, it serves as a general law for insurance contracts that govern judicial relations between contracting parties regarding rights and obligations. In the case of foreign countries, the obligation to explain insurance sales organizations is stipulated. With this in mind, it is necessary to improve the obligation to explain the Commercial Act.