What Is Sports Injury Insurance?

Sports insurance refers to an insurance system in which sports insurers collect certain insurance premiums and bear corresponding sports risks. A sound sports insurance system not only effectively protects the interests of relevant sports organizations, athletes, and ordinary sports bodybuilders, but also greatly promotes the development of the sports industry. A sound and reasonable sports insurance system is not only a powerful guarantee for athletes, sports workers, sports bodybuilders, sports groups and other sports activities, but also a favorable cornerstone for the rapid development of sports industries in various countries.

Sports insurance

Insurance is a specialized organization that accumulates risks, collects risks, and

In developed countries, sports insurance is an important part of national sports systems. A sound and reasonable sports insurance system is not only a powerful guarantee for athletes, sports workers, sports bodybuilders, sports groups and other sports activities, but also a favorable cornerstone for the rapid development of sports industries in various countries. ^[2]

1. Sports insurance coverage is small and insurance awareness is weak ^[2]

1. Establish and improve sports insurance laws and regulations ^[2]

After China's entry into the WTO, the impact of the international insurance industry on China's sports insurance sector has become more severe. In the face of a severe competition situation, although China has issued the "Detailed Rules for the Definition of the National Sports Players' Disability Insurance Accident Grading Standards" and the "National Team Athlete Injury A series of sports insurance laws and regulations including the Trial Measures on Disability Insurance. However, we must also soberly realize that China's sports insurance laws and regulations are still not complete and complete, and there are still some dead ends in some detailed provisions.For example, the standards of sports insurance have not yet been clearly defined and explained. Wait. Therefore, on the basis of actively learning from foreign laws and regulations, China should establish and improve sports insurance laws and regulations in accordance with China's national conditions, strengthen law enforcement supervision, and avoid disorderly competition and illegal operations.

2. Vigorously cultivate insurance awareness of all parties involved in sports

Everyone understands that there are risks in sports, but not many people are actually insured. In addition to the low income levels of many sports athletes, weak insurance awareness is also an important factor. Athletes in developed countries generally have a strong sense of insurance, and many players invest huge sums of money for one leg, one hand, or even one finger. In China, due to the long-term influence of the planned economy, quite a few athletes have not used to buy insurance by themselves. In addition, improving the insurance awareness of the sports competition organization department is also a topic that cannot be ignored. For example, when the first domestic extreme sports meeting was held, the organizing committee refused to provide free personal insurance for athletes because a local insurance company did not provide sponsorship The embarrassing scenes show that the need to raise awareness of insurance goes far beyond our athletes.

3. The insurance industry develops sports insurance products and innovative services as soon as possible

The development of insurance products is the basis for the sustainable development of the insurance industry, and high-quality insurance services are the guarantee for the sustainable development of the insurance industry. But for China's sports insurance at this stage, the pros and cons of insurance services are still unavailable. The lack of insurance products is the main reason for this field to be difficult to "start". The types of insurance that insurance companies need to focus on include various liability insurance, loss of consequences insurance, exhibition insurance, personal accident insurance, athlete disability insurance, especially the special insurance related to the 2008 Olympic Games. Because domestic insurance companies lack sports insurance products specifically formulated for sports organizations and athletes, they only recommend the existing format products of insurance companies to customers, and use ready-made insurance responsibilities to move the hard cover to sports, which does not match the characteristics of sports itself. Therefore, the insurance products they recommend often have problems such as excessive premiums and incomplete coverage, and they often differ greatly from the requirements of customers, thus lacking attractiveness. The insurance industry should thoroughly study the operation of sports competitions and design related insurance products for each link of the games and competitions.At the same time, we should learn from the experience of sports insurance in the United States, Japan and other countries and try to develop a sports insurance that meets the needs of China's sports insurance. Insurance products and services model.

4. Accelerate the development of sports insurance intermediary industry

Sports insurance brokers play a vital role in sports insurance activities in western developed countries. In order to establish a sound sports insurance market in China, we must not lack insurers and insureds (insured persons), and we must not lack sports insurance intermediaries, sports insurance brokerage companies. The insurance brokerage company can conduct research, research and development of sports insurance, promote sports insurance, undertake risk assessment of sports insurance, follow-up management services after the insurance, provide consulting services to insurers and insureds, and collect premiums for insurers And assist insurers in designing and setting up new types of insurance. The first company engaged in sports insurance brokerage in China was established in March 2004. The scope of its business services is far from being able to meet the rapid development of China's sports insurance industry with broad market prospects. It is imperative for the government and society to accelerate the development of the sports insurance intermediary industry as soon as possible, train professionals in sports insurance research and development, and establish a professional team of sports brokers that is compatible with market development.