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随着保险业在日常生活中的日益重要的作用,保险消费者的维权意识逐渐增强,保险消费纠纷日益增加。维护保险消费者的合法权益,维护保险市场的正常秩序,对促进保险行业的健康发展有着重要的意义。本文从分析保险消费出发,总结了目前保险市场上消费者权益受到侵害的现状,最后提出应从法律、监管、消费者教育等方面入手构建保险消费者权益的体系。
With the increasingly important role of the insurance industry in daily life, consumers’ rights protection awareness has been gradually enhanced, and insurance consumer disputes have been increasing. Maintaining the legitimate rights and interests of insurance consumers and maintaining the normal order of the insurance market are of great significance to the healthy development of the insurance industry. Based on the analysis of insurance consumption, this paper summarizes the current situation of consumer rights infringement in the insurance market, and finally puts forward a system that should construct the insurance consumers’ rights and interests from aspects of law, regulation and consumer education.