With the social and economic development and the general improvement of people's living standards，the link between insurance and the common people is getting closer and closer. At the same time，along with the rapid development of insurance market，insurance consumption disputes are also increasing. With the change of social environment and other factors，the cases of insurance consumption disputes have become more complicated and diversified. Therefore，solving the disputes of insurance consumption quickly and properly and effectively and protecting the legitimate rights and interests of the insurance consumers have become hot spots of society.They have also become a key factor affecting the development of the insurance industry.As an important regional insurance market in China，Henan has maintained a steady and healthy development trend in recent years.But because the insurance market is still in the initial period，and Henan is a large province of agriculture and the rural population，the public insurance knowledge is relatively scarce.Coupled with the relatively extensive operation and management of some insurance companies and the generally low quality of insurance sales staff，the total amount of insurance consumption disputes in Henan has been in the forefront of the country，and the contradictions of the industry are becoming more and more prominent.Through the investigation and analysis of the settlement of the Henan insurance consumption disputes，based on the characteristics of the insurance industry and insurance dispute，this topic further explores the low cost and high efficiency，flexibility and applicability of the insurance consumer dispute settlement mechanism in order to solve the disputes quickly and properly，protect the legitimate rights and interests of consumers，promote the reputation of the industry and promote the long-term development of the insurance industry.