한국의 전자보험거래 감독상의 주요 과제

The traditional insurance products may not meet all of the needs of today's electronic businesses. The electronic insurance business exposures must be analyzed against traditional insurance coverages in order to identify the coverage gaps and ultimately find a solution to close those gaps. Even with the business issues that insurance entities must face in the online world, insurance e-commerce is here to stay. While regulatory guidance is still in a nascent stage, the relative absence of regulatory directives has not deterred the entrance of new niche players that are willing to assume the risks and rewards of online insurance sales. Regulatory obstacles to a certain extent will remain, but pro-active participants will succeed in overcoming such impediments and in leveraging their current distribution channels to take advantage of the Internet. This paper proposes an environment for the supervision of electronic insurance transactions which aims at ensuring that relevant information with respect to electronic delivery of insurance documents, an involvement of the third parties in electronic insurance transactions and new types of financial information services is available to consumers, insurers and insurance supervisors. Due to the extremely fast development of electronic commerce, the framework for the supervision of electronic insurance transactions needs to be regularly reviewed. Insurance supervisors should require that the sale, purchase, and delivery of insurance products over the Internet are conducted in a secure environment, and that policy holders are adequately protected.