Problem Analysis and Improvement Plan for Compulsory Insurance System in Preparation for Social Disaster

This study aims to improve the disaster insurance system by examining issues related to compulsory insurance against social disasters, legal problems, and operational cases in major overseas countries. Korea operates about 30 types of disaster insurance, but there is a lack of prior reviews when introducing disaster insurance, so disaster insurance is continuously expanded. In addition, compared to major overseas countries, the insurance contract method is uniform and the management and supervision of insurance are insufficient. Therefore, when disaster insurance is introduced, it is necessary to accompany a professional review to determine if it is sufficiently helpful to the public interest, and it is essential to strengthen the management and supervision of insurance operations. In addition, to alleviate resistance to insurance purchases without infringing on individual freedom of contract, various insurance subscription methods should be devised, and it is necessary to strengthen liability for social disasters and to encourage the purchase of disaster insurance policy.