现行军人保险存在险种少范围窄、给付标准低、系统功能不全、账户管理不细、人少事多矛盾突出等问题。解决这些问题,必须调整优化险种结构,科学制定保险标准,完善军地衔接机制,优化软件审核功能,加大账户管理力度,解决人少事多的矛盾。 Existing military insurance exists in a narrow range of insurance coverage, low standard of payment, system dysfunction, account management is not fine, many people more contradictions prominent problem. To solve these problems, we must adjust and optimize the structure of insurance companies, formulate insurance standards scientifically, improve the linkup mechanism between the military and the military, optimize the software audit functions, increase account management and solve contradictions among which there are few problems.