Research On Sports Insurance Demand And System Construction Among Sports College Students

College students whose major are physical education inthe process of learning and training always have risks.Student sports insurance as an important means oftransferring risks has an important significance for normalteaching and students’ learning and training in thedepartment or institute of physical education.Since the holding of the World University Games and theNational University Games and the generation of the policyof “special recruitment of students”, competitive sports inthe department or institute of physical education havebecoming more and more prominent. However, the riskguarantee is far less than professional sports teams.Accidents occurred in sports can cause harm on students’body and psychology, and at the same time it can bringeconomic loss to some degree. And it has become a hottopic when this kind of things happened who supplystudents with risk can guarantee. So it becomes very essential to strength the research of students sportinsurance and proposing constructive suggestions.It is known that a complete insurance market concludesfive aspects: applicant, insurer, insurance agency andinsurance supervision organization. Applicants areconsumer groups of insurance and provide enoughmotivation for the insurance development. Insurers areresponsible for meeting the needs of consumers forinsurance products and serve for providing underwritingand settlements. Government as insurance supervisionorganization offers a healthy system and legal environmentfor insurance market. Insurance agency which is the bridgelinking insurer and the insured plays an important role inpromoting the development of insurance market.By analyzing the sports risk management and thecondition of students’ involvement in insurance in thedepartment or institute of physical education, the papersums up the factors blocking the development of studentssport insurance in the department of physical education,and these factors mainly are weak insuranceconsciousness of students, unsound insurance supervisionorganization, undeveloped insurance industry, lack ofpublicity of insurance, lack of purchasing power of students, the simple and sole of insurance, the shortage of insurancetalents and laggardness of legislation. By vividly analyzingof these restrict actors, the paper sets forth the systemfrom five different aspects such as students’ insuranceconsciousness, the system of insurance broker, insurancerunning system and legal environment.