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《反垄断法》的实施对保险行业的影响是巨大的。美国和欧盟等国家和地区都针对保险行业的特殊性,制定了特别规范,豁免了保险企业和保险协会的某些行为。鉴于现阶段我国反垄断法没有就保险行业某些类型的协议、决定和协同行为适用反垄断豁免作出明确规定以及相关配套措施出台还需要一段时间的现实情况,我国保险行业协会现阶段为避免受到反垄断诉讼的干扰,应当集中考虑固定价格、分割市场和消费者、成员资格、统一标准化和认证以及行业自律等5个重要的反垄断问题领域。此外,在根据个案具体情况申请单独豁免的同时,保险行业协会还应加强与有关部门的沟通和交流,推动实现对保险行业某些类型的协议、决定和协同行为适用一揽子豁免。
The impact of the implementation of the “Anti-monopoly Law” on the insurance industry is enormous. The United States and the European Union and other countries and regions have formulated special norms for the particularity of the insurance industry and exempted certain behaviors of insurance companies and insurance associations. In view of the fact that China’s antitrust law does not make definite provisions on the antitrust exemptions applicable to some types of agreements and decisions in the insurance industry and the relevant supporting measures are introduced, it still takes some time for China’s insurance industry associations to avoid being affected Interference in antitrust litigation should focus on five major areas of antitrust issues such as fixed prices, market segmentation and consumers, membership, uniform standardization and certification, and industry self-regulation. In addition, while applying for individual exemptions on a case-by-case basis, the insurance industry associations should also strengthen their communication and exchange with relevant departments and promote the application of a package of exemptions for certain types of agreements, decisions and concerted actions in the insurance industry.