台湾地区学生团体保险的发展及启示

台湾地区学生团体保险具有颁布规章、行政推动；政府补贴、保障权益；公开招标、透明运作；契约承保、专业服务等特点，由于其覆盖面广、保障全面，对推进全民福利、维护社会稳定发挥了重要作用。《2005年全国教育事业发展统计公报》显示，截至2005年底，我国大陆地区共有2．8亿名学生，约占总人口的21．5％，但这一庞大的人群却缺乏相应的意外伤害和健康保障。因此，应建立政策性的学生意外和医疗保险制度；商业保险专业运作；因地制宜、分布实施。

The student group insurance in Taiwan is well developed because there are complete regulations about it, The business is not only promoted by the government, but also enjoys government subsidy. It provides adequate protection to students, and its operation is quite transparent as involving public bidding and contractual in nature. It also provides specialized services. Due to its wide coverage and extensive scope of protection, it has been playing an important role in promoting the well-being of the whole population and maintaining social stability. ＂The 2005 Report on Statistics about the Development of the Educational Undertaking＂ shows that there are altogether 280 million students in China's Mainland, accounting for about 21.5% of the total population. However, this large segment of the population is poorly covered in terms of accidental injury and health care. Therefore, China should establish a policy accidental and health insurance system for students. This system can be operated commercially and be rolled out step by step according to local situations.