Legal Problems Concerning Personal Data Protection of Non-Life Insurance Bureau System

Abstract

            This article aims at studying on problems relating to Insurance Bureau System for accident and damage insurance business in Thailand, as the database on insurance services and indemnities for insured people that can be used for the scrutiny and prevention against the fraud in claiming for insurance. It is discovered that nowadays, related agencies still do not have power to take actions. Thus, data in the Insurance Bureau System cannot be used for the aforementioned purpose. In this project, insurance databases for preventing fraud, established in foreign countries, i.e., England and Australia, are studied on and used as the guidelines for the amendment of legal provisions in order to support the aforementioned activities. Furthermore, problems relating to provisions of Personal Data Protection Act B.E. 2562 (A.D. 2019), which are related to the actions on personal data, including the implementation of legal foundation, as well as certain  disadvantageous and improper points of the provisions, are studied on. The suggestion is that personal data protection laws of England and Australia should be applied as guidelines for the clearer implementation of legal foundation that includes the provisions of Personal Data Protection Act B.E. 2562 (A.D. 2019) and the activities relating to Insurance Bureau System.  In addition, the aforementioned foreign laws should be considered in order to find out directions for the revision of Personal Data Protection Act B.E. 2562 (A.D. 2019) to be more proper.