인슈어테크(Insurtech)의 현황과 보험법적 과제

In this paper, we looked at what legal obstacles exist in the progress of non-face-to-face or digitalization of insurance channels from the perspective of insurance companies, and examined what obstacles exist in entering the insurance market from the perspective of big tech companies. The entry of big tech companies into the insurance industry is not only an opportunity to innovate the insurance market, but also an opportunity to establish a win-win cooperative relationship for existing insurance companies, such as discovering new businesses. As big tech companies enter the insurance market, insurance companies are also accelerating digital transformation such as InsureTech. It is also urgent to establish an appropriate regulatory system for data sharing and utilization among stakeholders such as insurance companies, big-tech companies, and consumers. The Financial Services Commission said it will support the use of non-financial data such as health and disease in addition to data related to the loss ratio and insurance payment of existing insurance companies. The plan is to expand the development of customized insurance products for the chronically ill and the sick by utilizing health and medical data. Accordingly, a private insurance company recently approved a request to provide personal information data held and managed by the Health Insurance Corporation. The approval of insurance companies to use public medical data is expected to contribute greatly to the expansion of the healthcare business and is likely to emerge as a new food for the insurance industry. However, civil society organizations maintain that related data should not be provided without individual consent for the research of private insurance companies. As soon as possible, a council involving related experts and interested parties should be formed to reach social consensus on the safe use of public data and establish an appropriate management system.