Professional Basketball Player In Zhejiang Province Commercial Insurance Cover Case Study

Basketball is a body fight sport, professional basketball player often occur some injuries events in training and competition, to buy insurance worries for athletes can lift the players, reduce accident risk, the risk of injury caused by the degree of dispersion. The purpose of this article is written to investigate and understand a few pieces of Zhejiang basketball club players insurance status, analyze the situation and insured professional basketball player of the development process, Zhejiang insurance professional basketball player in the club problems and propose appropriate countermeasures, the paper study the following conclusions:1.The main factors affecting the development of the insurance professional basketball player are:a lower degree of professional basketball players of the insurance market development, basketball player insurance awareness is relatively weak, sports insurance fund fewer, smaller athletes type of insurance and insurance professionals, relevant laws the system is not perfect and the level of protection to be improved athlete insurance.2. The current demand of Zhejiang professional basketball player is relatively strong, the players awareness in this area are very strong risk professional basketball has a clear understanding, intention to buy the majority of players, social insurance and disability athletes Mutual Insurance can not meet the needs of professional basketball players, current insurance company in Zhejiang province can not provide the kind of insurance against occupational characteristics basketball players.3. The current types of insurance companies to provide professional basketball player for the Zhejiang Commercial insurance personal accident insurance, group accident insurance, transport accident insurance, catastrophic health care insurance and disability insurance players, the club for the domestic players are buying a top four types of insurance, including Zhejiang Chouzhou Bank Basketball Club for foreign players to buy disability insurance athletes; commercial insurance costs are borne by the club, the players personally only paid in part by the personal commitment of social insurance.4. Although CBA professional basketball player made must purchase commercial insurance provisions, but did not the kind of commercial insurance, and other insurance coverage and insurance to bear the costs of the specific situation to make detailed provisions, the insurance companies because of basketball various injuries athletes can not accurately determine the specific circumstances, there is a big problem in terms of the development of new types of insurance.