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保险可以保护相关体育组织、运动员及普通体育健身者的利益,有效转移体育所带来的风险。本文通过对运动员保险结构的分析,认为一是运动员社会保险保障程度偏低,二是运动员社会保障制度供给不足,三是运动员商业保险严重缺失。并提出完善我国运动员保险结构的设想:一是构建多支柱的运动员社会保险制度体系,二是商业健康保险纳入运动员医疗保障体系,三是完善训练比赛意外伤害险对运动员的保障作用,带动体育商业保险的发展。
Insurance can protect the interests of the relevant sports organizations, athletes and ordinary sportsmen and effectively divert the risks posed by sports. This article analyzes the insurance structure of athletes, that is, one is the low level of protection of social insurance for athletes, the other is the insufficient supply of athletes’ social security system, and the third is the serious lack of commercial insurance for athletes. And puts forward the idea of improving the insurance structure of athletes in our country. The first is to construct a multi-pillar system of social insurance for athletes. The second is to integrate commercial health insurance into the medical insurance system for athletes. The third is to improve the safeguarding effect of accidental injury insurance on athletes, Insurance development.