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在军人保险制度尚不完善和不成熟的初级阶段,在军人保险的制度框架内适当灵活地引入商业保险资源,补充建立依托市场的军人风险补偿机制,对提高军队风险分摊能力和组织经济补偿给付能力有重要的现实意义。军队利用商业保险要根据实际情况,选择合适的险种,采用恰当的模式,建立相应的制度。当前,应建立小、远、散、边地区看病就医较难的官兵商业医疗保险制度、军人意外伤害保险制度和军队机动车辆保险制度。
The military insurance system is not yet perfect and immature in the initial stage, the military insurance system within the framework of appropriate and flexible introduction of commercial insurance resources, relying on the establishment of relying on the market risk compensation mechanism for military personnel, to improve the military risk-sharing ability and organization of economic compensation payments Capability has important practical significance. The use of commercial insurance by the military should be based on the actual situation, select the appropriate insurance, using the appropriate model to establish the appropriate system. At present, we should establish a commercial and medical insurance system for officers and soldiers who have difficulty in seeking medical treatment in small, remote, scattered and fringe areas, an accident accidental injury insurance system for military personnel, and a military motor vehicle insurance system.