인슈어테크에 관한 감독법적 규제체계의 정립에 관한 연구

The insurance sector has traditionally used various data to perform various tasks such as risk assessment, underwriting, and claims payment, but by processing various big data collected from IoT with artificial intelligence, it is possible to improve accuracy and efficiency, and provide new products and services. Nevertheless, while the utilization of big data and AI can bring various benefits to insurers and consumers, it can also create new social and ethical risks. Therefore, through a review of the legal issues related to the use of AI by insurers' business types, this paper considers the equity of regulation between new entrants to the insurance industry and existing businesses, and examines the direction of legal reforms to protect policyholders. It was concluded that if Big Tech's entry into the insurance industry is further expanded in the future, it should be considered as a legislative development plan keeping in mind that it is necessary to reduce regulatory uncertainty for insurers by reviewing regulations on competitive equity and scope of business, as well as ways and means of supervising such regulations. In this regard, we considered the public nature of the insurance industry and examined whether it is necessary to ensure that insurtech companies and insurers using artificial intelligence comply with all regulations in accordance with the principle of same act, same regulation to protect policyholders. In addition, this paper examined the current status of insurtech and foreign supervisory policy trends comparatively and legally, and proposed a plan to establish the current supervisory legal system in Korea.