论以保险商品比较平台推动普惠金融之可行性

Abstract

客观且健全之保险商品比较平台所具资讯整合及网路保险功能，应具有减省保险消费者取得适合保险商品之成本、促成保险市场商品资讯透明度等功能，有助于降低弱势个人或群体接触、瞭解及利用保险商品之障碍，促成普惠金融之落实。若得藉法令或政策安排，由具相当专业性之客观中立第三方建置保险商品比较平台无偿提供民众使用，并开放各保险业者得于该平台执行网路保险服务，且适度容许第三方业者透过开放应用程式介面方式提供更多元应用服务，应更具推动及落实普惠金融之效益。

Insurance product comparison platform has the function of information integration and online insurance service, which can reduce the cost of insurance consumers to obtain suitable insurance products, increase the transparency of insurance product information, and then help reduce the barriers of vulnerable individuals or groups to contact, understand and use insurance products, and finally achieve the goal of financial inclusion. If a professional, objective and neutral third party can set up an insurance product comparison platform through appropriate laws and policies, which can be used by the public free of charge and allow various insurance companies to provide online insurance services, even further allow other third-party operators to provide more diversified application services through the open application interface, the financial supervision environment shall be more conducive to promote and implement the benefits of financial inclusion.