互联网保险中个人信息保护的法律规制——以个人信息保护政策为切入

Legal Regulations of Personal Information Protection in Internet Insurance——Take the Personal Information Protection Policy as A Starting Point

《民法典》赋予个人信息以民事客体的地位同时,也突出了个人信息保护的重要性。保险较之一般商事交易具有特殊性,应当坚持保险消费者倾斜保护理念和适度保护理念的平衡,在《个人信息保护法》所确立一般规则的基础上,制定适用于保险行业的个人信息保护实施细则,在着重强调个人敏感信息分级保护的同时,规范互联网保险公司个人信息保护政策的内容和网站“知情—同意”的页面形式。另外应当加强银保监会对于互联网保险公司的行为监管,以监督个人信息保护政策的贯彻执行。

The Civil Code clearly stipulates personal information,while highlighting the importance of personal information protection.Compared with general commercial transactions,insurance has special characteristics.So the concept of inclination protection and the concept of adequate protection should be keep in balance.On the basis of the general rules established by the“Personal Information Protection Law”,the personal information protection implementation rules which applicable to the insurance industry should be formulated.Focusing on emphasizing the hierarchical protection of personal sensitive information,the content of the personal information protection policies of online insurance companies and the“informed-consent”page format also need to beregulated.In addition,China Banking and Insurance Regulatory Commission’s behavioral supervision of online insurance companies should be strengthened to supervise the implementation of personal information protection policies.