The Approach Choice Of Chinese Insurance Consumer Personal Information Protection

With the advent of the digital age and the wide application of big data,the abuse of insurance consumers’ personal information is also increasing.The insurance industry is highly dependent on the personal information of insurance consumers,and insurance consumers need to truthfully inform their personal information to insurance institutions when purchasing insurance products,underwriting and settling claims.How to strike a balance between the protection of personal information and the effective circulation of information is a problem that the insurance industry needs to solve.With the formal implementation of the Personal Information Protection Law of the People’s Republic of China,the personal information protection in the insurance industry has entered a new stage.Insurance information has the characteristics of high privacy,facing more risks and related to the healthy development of insurance industry,so it needs to strengthen protection.In the digital era,Chinese insurance consumers are faced with some problems in the legal regulation of the concept of insurance consumer,and the Insurance Law of the People’s Republic of China is weak in the protection of personal information of insurance consumer,and the system of tort liability is not perfect.The law enforcement level is faced with the problem of the absence of industry supervision mechanism and backward supervision technology.The judicial level is faced with the unspecific burden of proof and the difficulty of collecting evidence for insurance consumers.At the law-abiding level,there exist the phenomena of informing consent rules becoming mere formality and insurance institutions infringing on personal information.By analyzing the mature practices and experiences of foreign insurance consumers’ personal information protection,it is hoped to bring enlightenment to Chinese insurance consumers’ personal information protection.In order to better protect the personal information rights and interests of insurance consumers and further promote the prosperity and development of the insurance industry,firstly,the concept of insurance consumers should be clearly defined and their scope should be determined,including the insurance applicant,the insured and the beneficiary.Secondly,the Insurance Law of the People’s Republic of China introduces provisions to protect insurance consumers,and improves the tort liability system through the class action system.Thirdly,the burden of proof should be optimized,the content of proof should be clarified,and the evidence collection channels of insurance consumers should be expanded.Finally,the subject of supervision should be clearly defined,and the subsequent supervision should be changed into proactive supervision and diversified supervision.At the same time,strengthen the industry self-discipline,improve the insurance consumers’ awareness of personal information protection.