마이데이터업이 생명보험산업에 미치는 영향 및 시사점 연구: 의료데이터 활용관련 쟁점을 중심으로

Abstract

In a situation where the business environment for insurance companies has changed considerably due to digital innovation, etc., the My Data system has been implemented in Korea since January 2022. The current My Data system is based on the Credit Information Act, but insurance companies are still relatively passive in participating in the My Data probably as health information is not available to them under the current system. What is causing the life insurance industry to be indifferent to My Data and what effects and implications on life insurance industry if the life insurance industry widely adopts My Data? First of all, this paper examines the current Credit Information Act, which provided the legal basis for Korean My Data system, as an issue of the scope of personal information subject to the current My Data system. While the revision bill of the Personal Information Act to prepare the basis for My Data for non-credit personal information including health information, this paper reviews some provisions that need to be coordinated with the Credit Information Act such as whether the consent of the individual is needed in relation to the scope permitted for using transmitted information, whether use of information trasmitted through My Data is limited by the original purpose of collection, whether using information transmitted through My Data is also restricted when performing concurrent/ancillary business of My Data business, and whether or not advertisements based on analysis of the information acquired through My Data can be sent to the individual. Second, the current sluggish status of the life insurance industry’s response to My Data will be introduced as well as the government’s efforts for establishing data sharing platform such as revision bill to the current Medical Act Enforcement Decree. Along with this, it deals with insurance platform sales and related financial consumer protection issues. Finally, this paper reviews expected impacts and implications of MyData on life insurance business. As life insurance companies participating in the My Data business can acquire personal information transmitted during their My Data business in addition to the personal information acquired during their insurance business process, data aggregation that can be used for advertising, consulting, insurance product consulting and sales to customers based on individual segmented information may become possible. The change to data-based sales is expected to be accelerated in Korea once the My Data legislation and related platforms are fully established due to the incoming revision of the Personal Information Act, etc.