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客观地说,有形物品的网上交易,只要随着各种环境的改善和互联网企业的努力,尝鲜的网上购物者将会逐渐体会到网上购物、交易的便利性,从而加入理性的网上购物群体。而保险电子商务由于保险当事人之间的人为因素与深刻复杂的背景及利益关系,仅仅依靠网上运作还难以支撑网络保险,如何禁止和惩处利用电子商务进行保险欺诈的行为、如何实现网上核保与网上理赔及支付等,在我国仍有很长的一段路要走,它既需要技术、资金、管理、人才等方面的支持,也需要社会公德意识与法制意识的不断强化。由于在网络保险的发展过程中还具有许多问题,我们对网络保险是否保险就提出了很大的疑问。
Objectively speaking, online transactions of tangible goods, as long as with the improvement of various environments and the efforts of Internet companies, early adopters of online shoppers will gradually appreciate the convenience of online shopping and trading, so as to join the rational online shopping groups. Because of the human factor and the complicated background and the interest relationship between insurance parties, insurance e-commerce can hardly support online insurance based on online operation. How to prohibit and punish the use of e-commerce for insurance fraud, how to achieve online underwriting and Online claims and payment, there is still a long way to go in our country. It not only needs the support of technology, capital, management and personnel, but also requires the continuous strengthening of social morality and legal awareness. As there are many problems in the development of network insurance, we have raised a lot of questions about whether the network insurance is insurance.