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Deutsches Institut für Japanstudien

Köksal Sahin

(PhD Students, April 1, 2013 - February 28, 2014)

  • Insurance Law, Insurance Supervisory Law
  • Consumer Protection
  • European and international insurance business, Solvency

 Paper title: Consumer protection in Japanese insurance law – a German and European view on the amendment of the first insurance law act in Japan.

 The Japanese insurance Law was reformed: for the first time in over 100 years, an independent Insurance Law Act has been developed 2008 and got into effect in April 2010.The legislator made in this context comparative studies focused on European Regulations (e.g. PEICL) and the German Insurance Law. Also the German Insurance Law was reformed after nearly 100 years in 2008. The reform was based on amendments of European terms of references concerning the consumer protection of policyholders.

The research deals with the consumer protection in insurance business in both countries. It is based on the following periods of insurance contracts to find out how the protection is regulated in Japanese insurance business: (1) time until the contract gets into effect, (2) during the contract period and (3) expiration of the insurance policy. The current reform on the insurance supervisory law in Japan and the important Supreme Court judgements will be a part of this analysis. With regard to the existing resources in the Japanese insurance business, the research shall work out how to improve consumer protection in insurance law in Japan.