论我国铁路旅客意外伤害保险制度的重构

On the Reconstruction of Railway Passenger's Accident Injury Insurance System

我国现行的铁路旅客意外伤害强制保险制度已设立近60年,且鲜有变化,已不适应当今社会的发展需求及国际潮流,亟待完善。完善铁路旅客意外伤害保险制度不是废除强制保险,而是构建铁路承运人责任保险制度,即强制铁路承运人以他们可能面临的损害赔偿责任为标的投保责任保险。

China＇s current compulsory insurance system for railway passenger accident injury was established almost 60 years ago with few modifications,and therefore,can not adapt to the development of modem society and keep abreast with the internationally recognized practices,and it is high time for it to be improved.To better the railway passenger accident injury insurance system does not mean to abolish the compulsory insurance,but to construct the railway carrier＇s liability insurance system,so that the carrier is forced to face his liability for damage to the subject of liability insurance.