Research On Professional Athlete Disability Insurance

With the development of competitive sports’ globalization, Chinese sports also developed toward the direction of marketization, commercialization and professionalization. Numerous of professional events, brutal competition and increased unpredictable risks all let our professional athletes faced with severe disability risk. Besides, with the reform of our country’s social security system and sports system carried out, the professional athletes’disability insurance gradually transformed from the countries do everything model to the combination of country and social security model. As the country’s main function has been transformed into formulate appropriate rules and regulations to protect the interests of athletes, the insurance fund and service mainly provided by social organization. Since the old insurance system was broken, and the new system has not yet completely formed, the current medical and disability insurance coverage of our professional athletes is extremely weak.As an important component of the professional athletes’ security system, professional athletes’ disability insurance played a crucial role in protecting the interests of professional athletes and promoting the development of competitive sports. In developed western countries, professional athlete disability insurance is an important means in supporting its domestic sports industry. However, Chinese current disability insurance protection level of professional athletes is far behind the development of its competitive sports level. By systematical analyzing the current status of professional athlete disability insurance in China and tease out the obstruction factors in consummate the professional athlete disability security system in China, and combined with developed western countries’experience and methods in disability protection of athletes. We will do our best to seek out a direction of development, which is in line with our current situation, of our professional athlete disability insurance system. And let it serve the competitive sports better, and exert the importance of sports insurance in national life.