体育保险的国际进展与我国体育保险的发展路径

The Latest Development of Sports Insurance and Its Development Path in China

20世纪初,体育保险制度在发达国家相继出现,重点保障运动员的意外伤害风险。随着各国体育产业的发展,发达国家体育保险制度在多方面取得很大进展。首先,在法律层面上,法律制度与保险实务不断融合;其次,在机构设置上,专业的体育保险公司与体育保险中介结构协调配合;再次,在技术支持上,体育伤害检测系统与保险理赔数据构成体育保险制度良性循环网络;最后,在保险产品方面也已经从承保单一风险演变为综合化的一揽子保险。在分析典型发达国家体育保险制度最新进展的基础上,总结了体育保险制度得以持续健康发展的特征要素,构建了我国体育保险制度的发展框架,总结了制度的发展重点,并进一步提出了供给侧与需求侧协同并进的我国体育保险制度发展思路。

Sports insurance appeared in the early 20th century and have made great progress in many aspects. First of all, on the legal level ,the legal system and insurance practice fused together. Secondly, on the institution level, professional sports insurance companies and insurance intermediary institutions strengthen cooperation. Thirdly, on the technical support level, Injury Surveillance System and insurance claims data form a virtuous circle network of sports insurance system. Finally, sports insurance products have shifted from covering athletes from accidental injury to a comprehensive insurance package protecting all sports related risks. This paper introduces latest development of sports insurance system in developed countries, then sum- maries key characteristics which are essential to the health development of the sports insurance system. The main purpose of this paper is to build a develop framework for China＇s sports insurance system and point out its main develop directions ,then further put forward some ideas from two dimensions of sports insurance demand and supply.