보험정보 집중기관의 통합화에 관한 논의

Abstract

This Paper would be written with regard to the importance of utilization and protection of insurance information. Insurer will use the insurance information from insurant for insurance contract. Insurance information will be managed now by three organizations, Korea Insurance Development Institute(KIDI), Korea Insurance Association (KIA), Korea Life Insurance Association(KLIA). A question whether insurance Information will be focused by one organization oder, has been raised. But more fundamentally important insurance information as personal information management within an appropriate legal and regulatory framework for the protection should be protected. Above all, thess questions should be answered, for example, insurance information, health information, disease information, and other sensitive information. For Answering thess questions, this paper studies legal system and operations of insurance information in some countries, in United States, Japan and Germany. Through the study on system of other countries can be known the fact that the way of direct regulation by nation does not exist. If a country is using a direct regulation, it means that the country is strong, but it does not trust the company. At the same time, the level of our company is still premature. On the other hand, if a nation is using the self-regulation through private organizations by the indirect method, it means that the level of our company(insurer) is closer to the level of advanced countries.