결합형 보험(Embedded Insurance)의 법적 쟁점 및 개선 과제에 대한 연구

The growth and activation of the insurance industry is expected due to the convergence of insurance and technology, and in particular, innovation in insurance sales methods through various external partners is taking place. On-demand insurance and combined insurance are expected to change the trend of future insurance products and meet the needs of consumers through a better understanding of customer requirements and behaviors. Korea has simple regulations such as recruitment regulations and restrictions on handling insurance products for combined insurance. There are various risks that can occur when trading products or services. However, the Korean insurance industry is ignoring the various insurance demands that occur in main business transactions and rather often allows other financial companies to take the lead. There are always risks in the transaction of products and services, and such risks can be appropriately managed through the insurance system, and social utility can be maximized through this, so the potential for the development of combined insurance is very high in the future. Combined insurance can help change the customer experience based on digital growth and innovation while forming close cooperative relationships with those who are currently conducting main businesses, reduce insurance company costs, expand customer accessibility, and narrow the insurance gap. The IAIS emphasizes that in order to adapt to the digital age and promote innovation, supervisors should consider how to ensure that new innovations do not sacrifice the protection of policyholders and the integrity of the entire insurance sector. Therefore, it is necessary to closely examine various consumer issues that may arise during the manufacturing, sales, and compensation processes of bundled insurance and to firmly establish institutional mechanisms to prevent damage to consumers. The problems pointed out in bundled insurance include forced sales and reduced utility for consumers. In order to prevent forced sales, a sales delay model, as in the case of Australia, should be introduced, and efforts should be made to supervise to prevent excessive premiums by measuring performance such as loss ratios. In addition, considering the special nature of the selection and sales process of bundled insurance, it is necessary to ensure that the cancellation and termination of the main contract and the cancellation, termination, or termination of the insurance contract are closely linked and exercised, and care should be taken to prevent disadvantages in refunds. In addition, it is necessary to appropriately devise countermeasures for the problem of bundling that may occur when the main product and insurance contract are sold together. Insurance contracts should not be made mandatory for main contracts, and the obligation to disclose or explain fees should be strengthened to ensure that necessary information is provided to consumers. In addition, it should be monitored to ensure that sufficient compensation is provided.