College Students’Cognition of Internet Accidental Injury Insurance:A Case Study of Guangdong Province

To explore college students'understanding and satisfaction of internet accidental injury insurance,and to analyse the factors influencing college students'awareness and satisfaction of internet accidental injury insurance.836 college students in Guangdong Province were selected by stratified random sampling.They were investigated with the self-designed questionnaire"College Students'Cognition of Internet Accidental Injury Insurance(CSCIAII)".29.67%,52.18%,10.13%and 8.02%of the college students didn't know,knew a little,knew relatively well and knew very well about internet accidental injury insurance,respectively.The percentage of college students who were very satisfied with the internet accidental injury insurance,thought the internet accidental injury insurance basically met their own needs,think it was acceptable but needed to be improved,did not agree with and were not satisfied with it at all were 9.55%,16.82%,47.73%,11.82%and 14.09%,respectively.College Students’awareness of insurance is weak,and they do not pay enough attention to accidental injury insurance.The design,publicity and sale strategies of internet insurance products may be important factors affecting college students'understanding and satisfaction with internet accidental injury insurance.

Rights Basis and System Building of Occupational Injury Protection for Employers in New Business Forms

Employees in new business forms face higher occupational injury risks and the plight of“falling in the gap in the protection network”of work-related injury insurance.The existing three types of occupational injury protection models are based on the reflection and reform of traditional occupational injury insurance.The readjustment path of occupational injury insurance is the most desirable among them.Occupational injury protection for employees in new forms of business is based on the concept of human rights protection,with the right to equality,social insurance and occupational safety and health as the direct basis.The top-level design of the system should be based on the appropriate“decoupling”of work-related injury insurance and labor relations,and rely on the technological empowerment of the digital age to explore the establishment of a work-related injury insurance system that is both mandatory and flexible.For the specific system building,in the dimension of mandate,the commercialization of benefits payment should be realized while expanding the statutory coverage of work-related injury insurance;while in the dimension of flexibility,it should be based on the characteristics of employees.Corresponding rules and regulations should be adjusted in terms of management model,work-related injury identification,and treatment calculation and payment.