Research On The Development Of Domestic Insurance In China

Domestic insurance refers to the insured person who is employed by the insured person in the work due to accidental injury,disability,death or occupation of occupational-related occupational diseases or by the family during the service of the employer in the process of accident to the employer's family Members,financial or third parties,and shall be covered by economic liability under the law or employment contract.China since 2004 launched the domestic insurance,home workers suffered work injury lack of insurance protection situation has been improved.Home insurance can not only protect the personal rights and interests of domestic workers,but also reduce the pressure of economic compensation of domestic enterprises and employers,is conducive to building a harmonious society.But from the actual situation,the domestic insurance market is small,the pace of development is slow,its expected role has not been fully exploited.Since the 2014 release of the new insurance country ten,the government began to attach importance to the settlement of social conflicts and disputes through commercial liability insurance function.At present,in the theoretical field of occupational injury insurance in our country,the mainstream views are mainly industrial injury insurance,commercial insurance is only as a supplementary means.However,due to the restriction of the current legal system and the particularity of the domestic industry,the industrial injury insurance is not suitable for domestic workers.Therefore,this paper is different from the previous research,and puts forward the use of commercial liability insurance to solve the problem of domestic workers'industrial injury insurance.This paper starts from the analysis of the value of domestic insurance,on China's current development situation of domestic insurance and the analysis of existing problems,and draw lessons from foreign experience and domestic workers insurance,combined with the effective and feasible countermeasures and suggestions are put forward to the actual situation for the development of China's domestic insurance,in order to further improve China's domestic insurance,increase the rate of insurance,effectively promoting the domestic insurance market,the domestic workers,domestic enterprises and employers such as the interests of the three parties to get better protection.This paper is divided into five chapters.The first chapter introduces the background and significance of the research,research questions and methods,research purposes and framework,inovation and shortcomings,etc..The second chapter firstly analyzes the relevant theories of domestic insurance,including definition and types of domestic workers,the definition of domestic insurance and the existing laws,theoretical and social foundation;and then reveals the domestic insurance value from three aspects of economy,society and individuals.The third chapter introduces the development of domestic insurance in our country,and analyzes the existing problems and causes.In the fourth chapter,the author introduces the foreign insurance system of domestic workers and draws some experiences from it.The fifth chapter puts forward some countermeasures and suggestions to promote the development of domestic insurance from the government,insurance companies and society in the following three aspects.