国际保险监督官协会（IAIS）：2025年公平对待广大消费者的应用论文报告（英文版）

This application paper supports supervisors’ implementation of Insurance Core Principle (ICP) 19 (Conduct of Business) to secure fair treatment for a wide range of consumers. The expectation that insurers and intermediaries treat customers fairly from before a contract is entered into through to the point at which all obligations have been satisfied, is at the centre of conduct supervision and is an integral part of fostering trust and confidence in the insurance sector. Additionally, treatin