战时军人伤亡保险的制度设计应遵循立足需求、独立设置与快捷高效的原则。依据战时军人风险损失的补偿需求,借鉴地方人员的伤亡补偿标准及外军战时伤亡保险制度的有益做法,确定相应的给付标准,并适度体现人员类别和职级差异。战时军人伤亡保险基金必须全部来自于国家财政, 和平时期应设立专门的战时军人伤亡保险储备基金。 The system of wartime casualty insurance should follow the principle of foothold demand, independent setting and quick and efficient. According to the compensation needs of wartime loss of risk, reference is made to the compensation standards of casualties of local personnel and the beneficial practices of wartime casualty insurance system of foreign wars to determine the corresponding payment standards, and to properly reflect the differences in rank and rank. Wartime military casualty insurance funds must all come from the state finances, and peacetime special wartime military casualty reserve funds should be set up.