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在诸多风险之中,健康风险对农民家庭的影响可谓直接和持久,在我国占70%人口的农村受经济发展水平的限制,整个农村社会保障体系还不能完全覆盖,绝大部分家庭还无法享受到普惠的社会保险。完善农村社会保障制度、发展农村商业人身保险的现实意义在于对于帮助农民家庭分散健康风险,保障他们的正常生活。本文对影响我国农村人身保险发展的因素进行分析并提出对策。
Among many risks, the impact of health risks on peasant households can be described as direct and lasting. In our country, 70% of the rural population is constrained by the level of economic development. The entire rural social security system can not yet be fully covered and the vast majority of families can not enjoy it To Pratt & Whitney social insurance. The practical significance of perfecting rural social security system and developing rural commercial life insurance is to disperse the health risks for peasant families and ensure their normal life. This article analyzes the factors that affect the development of rural life insurance in our country and puts forward some countermeasures.