보험계약정보집중기관 설립 방안에 관한 법적 연구

Abstract

Due to the recent event in January 2014 that the customer information of card companies has been mass-released occurred, the Use and Protection of the Credit Information Act was enacted and enforced on September 12 2015. As the representative example, recently the credit information law was amended, which brought about the base for establishing the unified credit information collection agency. The insurance company evaluates the risk degree of the insurance applicant based on various insurance information provided by the insurance applicant to decide whether to take over the insurance contract, and the insurance company helplessly should evaluate the risk degree of the insurance applicant within the range of the information of the applicant, due to the asymmetry of the information. However, in case the information provider provides the incomplete information or does not provide the necessary information, the insurance meets with a situation in which it has to take over the insurance contract with fatal defects from the beginning. Thus, in case it is needed to previously prevent such an incomplete contract from being taken over, and in case the insurance crime occurred after the insurance contract was concluded, as one of the most efficient methods to enable the insurance company to investigate these said cases in detail to make the case that the insurance premium is leaked unduly not occur, a measure is needed that makes all information related to insurance contract shared appropriately and used between the insurance company and the relevant institution. Behind the sharing and using of the insurance information between the insurance company and the relevant institution, there resides the problem of privacy invasion that is the release and the abuse and misuse of the private information of the insurance applicant Moreover, since the insurance information includes the illness information or various risky hobby activities, it corresponds to very sensitive information. Thus, in case such insurance information is released, not only the damage to the information provider but also the serious social impact is caused, and as a result, the insurance company should be particularly cautious for protecting the insurance information of the customer. This study suggests measures that enable the insurance company to share appropriately and use efficiently the insurance information, and simultaneously enable the information to be safely protected for privacy protection of the information provider.