보험사기 방지 대응체계의 개선방안에 관한 연구

Abstract

The current Criminal Act, the Specific Economic Aggravated Punishment Act, the Insurance Business Act, the Civil Act, and the Commercial Act also have regulations to prevent insurance fraud. However, it is judged that the current law has limitations in preventing organized, scarred, and highly intelligent insurance fraud, and the Special Act on Insurance Fraud Prevention was enacted and enforced in 2016, but it is judged that it did not guarantee its effectiveness. Contrary to these domestic circumstances, in major advanced foreign countries' insurance fraud prevention response strategies, legal regulations on key information and sharing status with management agencies and third parties could be confirmed. Among the legislative cases of foreign insurance information collection and sharing, the application of general laws related to information collection and utilization, provision and concentration to third parties, and legal grounds for collecting and providing information to third parties were not necessarily required.In this regard, the United States recommended a joint response to insurance fraud crimes through the legalization and active use of the blind spot of security and crime, and realized legalization within the Insurance Fraud Prevention Act. In addition, the UK recognizes the government's responsibility for the seriousness of insurance fraud and continues to persuade the importance and relative value of personal information protection through a social consensus on the use of information. Such foreign legislation will be an important reference in the process of preparing legal regulations for information, integration, sharing, and utilization for Korea's response strategy to prevent insurance fraud crimes in the future. Therefore, this paper proposed the following improvement measures to prevent insurance fraud based on foreign legislation. First, the necessity of expanding the scope of immunity for insurance fraud investigators. Second, preparation of management standards such as collection and utilization of insurance information and provision to third parties. Third, the introduction of a preliminary (preliminary) restriction system to prevent insurance fraud. Fourth, the necessity of training and utilizing insurance fraud specialists was emphasized based on the establishment of the management system of insurance information handling institutions within the legal regulation tool that expanded the scope of public and private sectors.