On Improve Our Athletes Personal Injury Insurance Legislation

The human body accidental injury insurance within the athletics sport is a kind of insurance that the insurer provides certain benefit to the athletes because of suffering unexpected accidental injury which directly leads to human body injury. The sports industry has high fatalness and complexities and its basic principle of bearing responsibilities also has specialties, so it is urgent and necessary to set up human body accidental injury insurance of the athletes. The human body accidental injury insurance within the athletics sport embodies the basic principle of the general insurance, bases on having insurance benefits and self-decision, it is safeguarded by faith between the insurer and the athletes, at the same time, it also has its own specialties: high risk, high compensation rate; uncertain insurance scope and insurance kinds and the measurable risks. Compared with China, the insurance legislations in America, Britain and Japan etc are in the front of the world. They all have sound athletics insurance laws, perfect athletics insurance supervision mechanism, flourishing athletics insurance organization, well-found athletics insurance kinds and mightiness of the athletics insurance consciousness. As a nation with new human body accidental injury insurance within the athletics sport legislation field, our country has some shortages, such as weak insurance consciousness, unsound insurance regulations, small insurance management main body, narrow overcast and single insurance funds. So our country should absorb the legislation experiences of the related nations and build perfect system frame from the following five aspects: build up the sound athletics insurance law system, corpus scope cover from the extension, build up the specialized athletics insurance organization and enrich the athletics contents, establish the athletics insurance fund and build up the compulsive insurance.