论保险业数据搜集与个人信息保护的冲突解决

Solutions to the Conflicts between Data Collection and Personal Information Protection in the Insurance Industry

针对保险业数据搜集与个人信息保护存在法律权利冲突的现状,使用法条分析、案例分析等方式,结合理论与实际,提出冲突解决方式:明确第三人共享信息的实质性同意原则、谨慎搜集与处理敏感信息、明确告知义务不能因保险人的搜集行为而免除、对基因信息提供遵循“自愿+商业调整”方式,还建议建立保险商业自主框架,以期化解数据经济时代下保险业发展与个人信息保护间的矛盾。

In view of the conflicts of legal rights between data collection and personal information protection in the insurance industry,this paper puts forward the following conflict resolution methods based on an analysis of the relevant articles and cases by combining theory and practice:defining the substantive consent principle of sharing information by third parties;carefully collecting and dealing with sensitive information,the non-relief from the obligation to clearly inform despite insurers'act of collecting data,following the"voluntary plus business adjustment"principle for providing genetic information.We further propose the establishment of an independent framework of the insurance business,in hope of resolving the conflict between the development of the insurance industry and personal data protection in the era of digital economy.