Please analyze the meaning or purpose of the insurance course from a consumer perspective

Only by understanding it can you make your own judgment, rather than hearsay, and choose the right insurance product for yourself. From the current environment, the country is vigorously promoting insurance, and it is not wrong to know more about relevant knowledge

Know yourself and know your opponent, and you will not be defeated in a hundred battles. Master the basics and protect your rights.

How to use insurance is so good, knowing that he is linked to integrity, it is easy to say, because integrity is the most basic principle of doing business, and what is the integrity of insurance? Our lives are healthy, and our property is safe. Our people grow short.

What do we get out of using this tool? The only thing we can get is money, when there is a problem with our life and health, insurance can help us solve, all the expenses spent on medical treatment can provide our family with a high amount of compensation in the event of an accident, disability or death in our life, insurance can leave us a sum of money in the business, this is the role of insurance tools, insurance is first of all insurance, is to ensure that it is not a tool to make quick money, He's protecting your money. So that you get the money without losing.

In the eyes of the rich, insurance is the best tool for inheritance and protection In the eyes of normal people, insurance is the best tool to protect life, because we normal people do not earn as much money as rich people, in the case of major accidents and diseases, we may not be able to take out a lot of money to get through this difficulty, so we need a protection, we need others to pay this money for us, to tide over the difficulties, insurance often says, in the case of your accident, If you can take out 200 yuan, it is a friend, 2,000 yuan is a relative, 20,000 yuan or even sell real estate and pour everything you have, that is your parents, and why don't you use your relatives for insurance, your parents will give you 200,000 yuan of their life savings, which only requires you to invest very little money every year. So what is insurance in my opinion? It is when your life is dying, when you are in urgent need of life-saving money, insurance is your reborn parents when you have an accident and pass away, insurance is your wife and children or the living children of your parents because no one can earn so much money to support your insurance I may be talking more realistically, because it is a more practical person will be too much rhetoric may be too good to talk about insurance, many people do not believe in telling everyone that insurance will be used, just will buy it will not work, the favor list is very harmful, Because I don't know how to use it after I buy it, I stare at it when I use it, and after this kind of thing is more, you will say that insurance is a lie, so what I want to tell you here, if it is because of the favor list, or if you don't understand insurance, and buy insurance, please go to your insurance ** person, and ask what your insurance is for?

How to use If you want to add a guarantee to your future life, please go to the insurance company or the insurance person you know, and ask how the insurance is used? What is it for? You go to add a suitable guarantee for yourself, life in the world, all say one more friend and one more road, I only say one more protection, give yourself one more chance, thank you, this is my experience to share with you today, I hope everyone has a beautiful and happy tomorrow.

This paper analyzes the current situation of the protection of the rights and interests of insurance consumers in China, analyzes and expounds the reasons for the infringement of insurance consumers, finds out the root causes, and tries to protect the legitimate rights and interests of insurance consumers through legal remedies. At the same time, drawing on foreign experience, we put forward legal suggestions for the protection of the rights and interests of insurance consumers in China.

I. Introduction. It is difficult for consumers to have a comprehensive and accurate understanding of insurance products when purchasing them, and they are in a disadvantaged position in transactions. What is the current situation of infringement of the rights and interests of insurance consumers in China?

What are the causes of the violation? What are the international countries and regions that have some experience in protecting protection? How should China use legal means to remedy the rights and interests of insurance consumers?

This article will conduct research and analysis from these perspectives.

2. The current situation of infringement of the rights and interests of insurance consumers in China.

The development of the insurance industry has also exposed many problems. In recent years, insurance disputes have been increasing, and the number of insurance cases accepted by courts across the country has increased significantly and intensified, and the rights and interests of insurance consumers have often been violated, mainly in the following two aspects:

1) Infringement of insurance consumers' right to know. Due to the professionalism of insurance, the insurance contract contains a large number of professional terms, and the insurance company has a professional technical team, and the insurance consumer is in a disadvantaged position in the process of concluding the insurance contract. In addition, insurance companies occupy a dominant position in the grasp of information, which creates a situation of information asymmetry between insurance consumers and insurance companies, which can easily lead to the infringement of insurance consumers' right to know.

German scholar Hein Coates and others pointed out that the most important thing in justice is the right of individual autonomy or self-development, and freedom of contract is a component of general freedom of action......Freedom of contract therefore plays an important central role in the field of private law as a whole. Therefore, the parties to an insurance contract should conclude the contract on the basis of freedom of contract.

In practice, insurance institutions deliberately leave loopholes in the design of clauses, and the phenomenon of overlord clauses emerges in an endless stream, and insurance consumers can only passively accept them.

Protection; insurance consumer rights; Content; Way.

Since the reform and opening up, the average development rate of China's insurance industry has been higher than the growth rate of GDP, the scale of premiums and insurance assets has increased rapidly, and the coverage of insurance protection has expanded rapidly, making great contributions to the development of the national economy and the progress of social undertakings and the improvement of people's well-being. However, due to the fact that the development of the insurance industry is still in an extensive stage, the quality of employees cannot keep up with the needs of the rapid development of the insurance industry, and the overall integrity of the insurance industry is not high enough and the service level is relatively low, resulting in a large increase in complaints from insurance consumers and serious damage to their rights and interests, which has become a serious bottleneck restricting the sustainable development of the insurance industry, and has reached the point where it has to be paid attention to and must be resolved as soon as possible.

1. The basic situation of insurance complaints accepted by the Jiangsu Insurance Regulatory Bureau.

First, in terms of the number of complaints, in 2013, the Jiangsu Insurance Regulatory Bureau received a total of 1,476 valid complaints from insurance consumers, a year-on-year increase. Second, from the perspective of complaint channels, the China Insurance Regulatory Commission received a total of 1,211 valid complaints from 12,378 complaints and rights protection**, accounting for the proportion; 87 letter complaints, accounting for the proportion; 91 door-to-door complaints, accounting for the proportion; 62 online complaints, accounting for the proportion; The Insurance Regulatory Bureau received 25 complaints about letters and visits**, accounting for 25 complaints. Third, from the perspective of complaint insurance, there were 698 property insurance complaints, a year-on-year increase; There were 765 life insurance complaints, a year-on-year increase.

Fourth, from the perspective of the links involved in the complaints, 512 cases involved the underwriting link, accounting for the proportion; 733 cases involved in claims settlement or payment, accounting for the proportion; 106 cases involved preservation links, accounting for the proportion; 125 cases involved in the surrender link, accounting for the proportion. Fifth, from the perspective of typical complaints, there were 565 complaints involving property insurance claims, of which 538 were related to auto insurance claims, accounting for all complaints; A total of 412 complaints related to problems in the sales process, such as fraud and misleading, failure to fulfill the obligation to explain, intentional concealment of important contents of the contract, and irregularities in insurance procedures, accounted for 412 complaints, accounting for all complaints.

1. First of all, we all know that the purpose of insurance is to provide a worry-free protection. For example, endowment insurance will make people no longer able to work in retirement, enjoy a monthly pension at home, solve the cost of daily life, and provide a living security for their spouses after death; Unemployment insurance allows people to have a secure livelihood while they are short-term unemployed and looking for another job. Medical, work-related injury and accident insurance can reduce the burden of people suffering from diseases, especially critical illnesses and injuries caused by accidents, by 80%.

There are only two situations for people: either standing or lying down. Standing illustrates health, can create wealth well, and insurance is the icing on the cake. Lying down insurance helps you fulfill your unfulfilled responsibilities and help you in the snow.