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互联网已经不再是单纯的保险交易媒介与平台,保险机构通过金融创新机制将互联网业态中的保险利益进行产品化包装,形成了网销保险、O2O保险、信息安全保险三种互联网新类型险种,其产业规模已经在保险业中占据了一席之地。但其在发展过程中产生了保险人与第三方网络平台的准入资质不明确、新产品出现博彩倾向、互联网保险人履行保险条款说明义务存在瑕疵、以死亡为给付条件的寿险项下被保险人同意权难以确认等法律问题。业界与监管者应在充分尊重互联网保险创新的前提下,采取“备案制”与“适当性规则”相结合的市场管制、“报备即用”的险种监督机制、严控保险金额度等方法与措施,充分维护各方利益,促进互联网保险市场的理性繁荣。
The Internet is no longer a mere intermediary for insurance transactions. Instead, the insurance institution has packaged the insurance interests of the Internet industry through product innovation through financial innovation mechanism, forming three types of Internet new types of insurance: internet sales insurance, O2O insurance and information security insurance, Its industry size has been a place in the insurance industry. However, during the course of its development, the qualification of the insurer and the third-party network platform is not clear. The betting tendencies of new products appear. The internet insurer has the obligation to explain the obligations, and the insurance under the condition of death as payment is insured People’s consent is difficult to confirm and other legal issues. The industry and regulators should take full account of the Internet insurance innovation, take the “filing system” and “appropriateness rules ” the combination of market control, “ready to use ” risk monitoring mechanism, strict Control the amount of insurance and other methods and measures to fully safeguard the interests of all parties and promote the rational prosperity of the Internet insurance market.