Like any new thing with great development potential, online insurance also has some problems to be solved in its own development process.
1、 Security issues
Security is the premise of the development of network insurance. Without security, nothing can be said. The network security mentioned here includes not only network hacker attacks, but also network fraud and other issues. The network insurance project involves banks, hospitals, transportation departments and other industries, so it is a huge project construction. At present, the widespread existence of virus interference and hacker attacks on the Internet makes the network system itself lack of security, and the network insurance has unsafe hidden dangers; At present, the frequent occurrence of online crime, online fraud and other issues have also seriously hindered the safe operation of the network. How to identify the identity and behavior of network customers, how to ensure the integrity of network information in the transmission process and other issues are before us. At present, all countries have invested a great deal of energy in the development and implementation of security technology and the improvement of security management mechanism, and have achieved initial results. However, as a long-term and complex work, the maintenance and management of network security operation can only be upgraded and improved continuously. To ensure its effectiveness.
2、 Legal and regulatory issues
The lag of legal system and the imperfection of supervision are the important reasons for the occurrence of insurance contract disputes. The emergence of cyber insurance not only strengthens the transparency of insurance behavior, but also makes the competition between insurance companies more intense and complex, which further improves the legal and regulatory requirements. At present, there are several legal problems to be solved as soon as possible: First, the equivalence of digital signature and paper signature, as well as the equivalence of electronic contract and paper contract. The second is the legal system of transnational online insurance business. The third is to prevent illegal price competition and unreasonable generous security to cheat and induce insurance. The insurance supervision mainly aims at the following problems: First, for the operation Website construction And the licensing of agency network training. Second, the development of online insurance has made the insurance industry closely linked with many financial industries, and there is a problem of how to realize the development from separate supervision to joint supervision.
3、 The relationship between the insurer and the agent
Online insurance can sell policies directly to customers at a lower cost and provide services, which will greatly enhance the autonomy of the policyholder in selecting insurance types, thus reducing the dependence on agents and bringing greater pressure on agents to go out for business development; At the same time, in order to adapt to the competitive insurance in the market, the company will also reduce the rate, resulting in a decrease in the agent's commission. In the UK, the number of insurance agents has dropped from 240000 in 1989 to 90000 in 1994. However, at present, especially in areas where information technology is relatively backward, the expansion of most of the insurance business of insurers depends on the power of agents. At the same time, due to the network, in addition to the process of interpersonal communication to a large extent, some types of insurance suitable for traditional sales still need to be insured through traditional insurance methods, such as family property insurance, medical insurance Accident insurance, enterprise property insurance, etc. How to develop their online business without excessively damaging the interests of insurance agents to maintain their enthusiasm is also a problem that insurers must face.
