摘要
保险可以保护相关体育组织、运动员及普通体育健身者的利益,有效转移体育所带来的风险。本文通过对运动员保险结构的分析,认为一是运动员社会保险保障程度偏低,二是运动员社会保障制度供给不足,三是运动员商业保险严重缺失。并提出完善我国运动员保险结构的设想:一是构建多支柱的运动员社会保险制度体系,二是商业健康保险纳入运动员医疗保障体系,三是完善训练比赛意外伤害险对运动员的保障作用,带动体育商业保险的发展。
Insurance can effectively protect interests of sports organizations, athletes and general body builders and effectively transfer sports risks. Through the analysis of athlete insurance structure, the paper concluded that ： （ 1 ） Athlete＇s social security protection was relatively low; （2） The supply of social security systems for athlete was inad- equate ; （3） There was a serious lack of commercial insurance for athletes. Based on the analysis, the paper sugges- ted to optimize athlete＇s insurance structure as follows： （ 1 ） Constructing a multi-pillar social security system for ath- letes;（2） Integrating commercial health insurance into the athletes ＇ health-care system;（3 ） Improving accidental casualty insurance for athletes during training sessions and matches, thereby driving the development of sports commercial insurance.
出处
《保险研究》
CSSCI
北大核心
2012年第6期70-76,共7页
Insurance Studies
基金
国家社会科学基金项目(项目编号:11BTY009)
关键词
运动员
保险结构
优化
athlete
insurance structure
optimization
