A comparative study on the protection of insured’s rights and interests in insurer risk disposal

Risk disposal in the insurance industry is an integral
part of the entire process of insurer risk supervision.
A comprehensive risk disposal framework should
encompass four mechanisms: risk warning, risk
mitigation, market exit, and protection by the insurance
Security fund. Based on the principles of the insured-
centricity in non-liability insurance contracts and the
alignment of risk and return, the protection of the insured
interests should be prioritized in insurer disposal. In the
risk warning procedure, the protection of the insured
rights and interests is mainly manifested in the timely
detection and identification of existing and potential risks
of insurers. In the risk mitigation procedure, the protection
of the insured rights and interests is indirectly manifested
in the restoration of the liquidity and profitability of the
troubled insurer’s assets. In the market exit procedure, the
protection of the insuredrights and interests should focus
on improving the cancellation liquidation process, the
definition of insolvency assets, the transfer of insurance
policies, and exceptions to the cancellation of preferential
payments. In the insurance protection fund’s participation
in the disposal procedure, the protection of the insured
rights and interests should focus on the independence and
multiple roles of the Insurance Security Fund company, as
well as coordination with the financial stability protection
fund.

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