保险消费者概念的法律厘定

The Legal Definition of Insurance Consumer Concept

保险消费者概念的法律厘定,是建立保险消费者权益保护体系的基础所在。传统消费者概念以"生活消费"为限定的做法在保险领域不具有可行性,应当予以摒弃。因保险业自身特性,法人在保险交易过程中亦处于弱势地位,应充分贯彻经济法的社会利益本位观和公平观,将符合条件的法人纳入到保险消费者范围内予以保护。确定保险消费者的具体内涵,不应过于纠结对传统消费者概念的继承,而应注重从保险消费者权益保护体系建立的逻辑原点予以考虑。

The legal definition of the concept of insurance consumers is the foundation of establishing the protection system of the rights and interests of the insurance consumers.The traditional consumer concept,which is limited by "living consumption",is not feasible in the field of insurance and should be abandoned.Due to the characteristics of the insurance industry,the juridical person is also in a weak position in the process of insurance business,so we should fully implement the social interest standard view and the fair view of the economic law,and incorporate qualified juridical persons into the insurance consumers' scope.Determining the specific connotation of insurance consumers,should not be excessively entangled with the traditional consumer concept,but should lay emphasis on the logical origin established by the insurance consumer rights and interest protection system.