Research On Functioning Model Of Serviceman Casualty Commercial Insurance In Military Academy

The paper analyzes the shortcoming and its cause of the prevailing casualty insurance of serviceman (CIS) in the military academy of our PLA, investigates the research situation and its developing trends of interrelated field in and out of our country, demonstrates the necessity and feasibility of the implementation of serviceman casualty commercial insurance(SCCI), puts forward its form and approach, and probes its functioning model in National University of Defense Technology.On the base of investigating the achievement and shortcoming of prevailing CIS in the military academy, the paper comes to conclusion that, compared with the fast-developing national social security system, CIS in the military academy retards in several ways, such as functioning structure, rendering coefficient and indemnification style, so we should utilize the social resources, including the commercial insurance, to develop the CIS in the military academy.On the base of analyzing some fundamental conception involving SCCI in the military academy, the paper probes its meaning and functioning requirements, comes to conclusion that, its functioning model satisfies Law of Great Number, Principle of Two-to-win and Principle of Insurability, so it has theoretic feasibility. At the same time, this kind of functioning model has policy endorsements. The national economy works well and establishes a solid economic foundation for this kind of functioning model. The commercial insurance develops well and accumulates numerous experiences.On the base of the case of National University of Defense Technology, the paper specifically investigates the functioning model of SCCI in the military academy, and comes to conclusion that, it should take the form of group insurance. Though there are many servicemen leaving the military academy every year, there is still many civilian joining the army and some other servicemen coming to the military academy through the work transferring every year. So, the total number of serviceman in the military academy is relatively stable. This kind of condition is convenient for the insurance company to calculate the insurance risk and fee rate. As a entirety, the member of military academy's professional harm fits the characteristic and demand of the group insurance.