Financial exclusion, poor insurer practices and consumer protection

金融排斥、保险公司不良做法和消费者保护

• 批准号: DP180100771
• 负责人: A/Prof Paul Ali
• 金额: $ 25.14万
• 依托单位: The University of Melbourne
• 依托单位国家: 澳大利亚
• 项目类别: Discovery Projects
• 财政年份: 2018
• 资助国家: 澳大利亚
• 起止时间: 2018-02-05 至 2023-12-31
• 项目状态: 已结题
• 来源: https://dataportal.arc.gov.au/RGS/Web/Grants/DP180100771
• 关键词: Financial; exclusion; poor; insurer; practices

This project aims to study financial exclusion and variations in access to general insurance, as well as insurer practices in selling insurance and handling claims. Through surveys, focus groups and interviews, the project also aims to evaluate the effectiveness of the legal protections for consumers of general insurance. The expected project outcomes include law and policy reform proposals to improve the effectiveness of these protections and maximise access to general insurance, particularly for socio-economically disadvantaged consumers. This should have benefits such as an increased uptake of general insurance and improved community resilience to natural disasters and other unforeseen events.

该项目旨在研究在获得一般保险方面的经济排斥和差异，以及保险公司在销售保险和处理索赔方面的做法。通过调查、焦点小组和访谈，该项目还旨在评估一般保险消费者法律的保护的有效性。项目的预期成果包括提出法律和政策改革建议，以提高这些保护措施的有效性，并最大限度地增加获得一般保险的机会，特别是对社会经济处境不利的消费者。这应该会带来好处，例如增加一般保险的使用，提高社区对自然灾害和其他意外事件的复原力。