军人伤亡保险金是对因战、因公死亡或致残的军人以及因病致残的义务兵给予的经济补偿。现行制度规定发放伤亡保险金必须报请军区一级进行审批。这种由团队逐级上报军区的审批,环节多,时间长,审批程序复杂,造成保险金赔付滞后。为此,必须进行伤亡保险审批权限改革,适当降低审批权限,缩短审批时间,争取在最短的时间内实现伤亡保险金赔付。一、伤亡保险审批权限改革构想1.审批原则。军人伤亡保险金审 Military casualty insurance is an economic compensation given to soldiers who died of war, death or maiming, and those who were disabled due to illness. The existing system stipulates that the payment of casualty insurance benefits must be submitted to the military region for examination and approval. This kind of approval submitted by the team level by level to the military region involves many links and takes a long time. The approval process is complicated, resulting in the lag of claims payment. To this end, we must reform the authority of examination and approval of injury and death insurance, appropriately lower the examination and approval authority, shorten the examination and approval time, and strive to realize the payment of casualty insurance benefits in the shortest time. First, the injury insurance approval authority reform idea 1. Approval principle. Military casualty insurance trial