Volume 16 - Special Issue on Legal Developments
MLJ 2022, 16 - Special Issue on Legal Developments: 1101-1114 |
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Khoroushi A. Insurance Developments in the Digital Age and Its Impact on Insured. MLJ 2022; 16 :1101-1114
URL: http://ijmedicallaw.ir/article-1-1852-en.html
URL: http://ijmedicallaw.ir/article-1-1852-en.html
Department of Law, Faculty of Law, Hakim Sabzevari University, Sabzevar, Iran.
Abstract:
Background and Aim: Digital technologies are changing how we live, and the insurance industry is no exception. Since insurance contracts rely heavily on good faith, they differ from other contracts. New technologies have led to different types of insurance products and how they're sold. This has created new challenges that require updated regulations. This study focuses on how these changes have affected the rights of people who have insurance.
Method: By examining and analyzing the laws of other countries, this research has employed the descriptive-analytical method with library-documentary tools and with the level of comparative analysis in order to obtain a relatively comprehensive and common understanding of insurance issues and legal issues and technology related to it.
Ethical Considerations: In this research, all ethical principles such as trustworthiness, honesty and originality of the text have been observed.
Results: The study's conclusions show that the advent of the digital era has changed the traditional rules governing insurance contracts to better suit the needs and instruments for forming insurance relationships. Additionally, the regulation of insurance relationships necessitates the provision of suitable legal and technical platforms.
Conclusion: While new technologies like AI, IoT and telematics have brought benefits to insurance, such as lower costs and easier purchasing, they also pose challenges. These challenges include potential discrimination from algorithmic biases in healthcare and privacy concerns related to gender and data protection. To address these issues, clear and protective regulations are needed. While some countries have started to implement such regulations, more attention is required to ensure these technologies are used responsibly.
Please cite this article as:
Khoroushi A. Insurance Developments in the Digital Age and Its Impact on Insured. Medical Law Journal. 2022; 16(Special Issue on Legal Developments): e62
Method: By examining and analyzing the laws of other countries, this research has employed the descriptive-analytical method with library-documentary tools and with the level of comparative analysis in order to obtain a relatively comprehensive and common understanding of insurance issues and legal issues and technology related to it.
Ethical Considerations: In this research, all ethical principles such as trustworthiness, honesty and originality of the text have been observed.
Results: The study's conclusions show that the advent of the digital era has changed the traditional rules governing insurance contracts to better suit the needs and instruments for forming insurance relationships. Additionally, the regulation of insurance relationships necessitates the provision of suitable legal and technical platforms.
Conclusion: While new technologies like AI, IoT and telematics have brought benefits to insurance, such as lower costs and easier purchasing, they also pose challenges. These challenges include potential discrimination from algorithmic biases in healthcare and privacy concerns related to gender and data protection. To address these issues, clear and protective regulations are needed. While some countries have started to implement such regulations, more attention is required to ensure these technologies are used responsibly.
Please cite this article as:
Khoroushi A. Insurance Developments in the Digital Age and Its Impact on Insured. Medical Law Journal. 2022; 16(Special Issue on Legal Developments): e62
Type of Study: Original Article |
Received: 2024/05/29 | Accepted: 2024/09/24
Received: 2024/05/29 | Accepted: 2024/09/24
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