Design Of Comprehensive Insurance Product Of Mass Sports In China

In recent years,with the active promotions of national policies,our country has been constantly striding forward from a " major sports country" to a "sports giant country".A large number of groups have an increasing demand for sports insurance,such as sports athletes,amateur sports enthusiasts,sports professional leagues,schools and government management departments,corresponding with a huge sports insurance market.The insurance industry is also actively exploring the field of sports insurance.Professional sports insurance websites such as "Small Umbrella","Sports Insurance","Sports Insurance",and "Wise Insurance" have been established.Major insurance companies have successively launched insurance products like "Outdoor Sports Insurance" "ski insurance","golf insurance" and "climbing insurance".However,compared with the sports insurance market in developed countries in Europe and America,the development of sports insurance in our country is still lagging behind.Innovative sports insurance,comprehensive sports insurance liability,and daily sports insurance products needed by the general public are still lacking.In order to solve the contradiction between the blank of mass sports comprehensive insurance products in the insurance market and the growing demand for sports insurance,this article first conducts research,discussion and comparative analysis on the development of domestic mass sports insurance and British and American mass sports insurance.By actively learning from the British and American countries,their excellent details in the design of mass sports insurance products lay the foundation for the scientificity and rationality of the insurance product design in this article.Then,this paper expounds the research on the supply and demand of our country’s mass sports comprehensive insurance.The demand research focuses on the development of the sports industry to drive the demand for mass sports insurance,and the supply research focuses on the analysis of mass sports insurance products on the market,which lays the feasibility of the insurance product design in this article.Last but not the least,combined with the analysis of the "National Fitness Activity Survey Bulletin",the product form of our country’s mass sports comprehensive insurance was initially designed,and based on the design of the insurance liability and insurance premium rate of the mass sports comprehensive insurance,a comprehensive mass sports insurance model called “Exercise freely”was designed,which covers both The national daily sports event also integrates accidental injury,property damage,and third-party liability insurance.After launching the "Exercise freely" sports insurance product,this article continues to make suggestions for optimizing the healthy development of the sports insurance market from a practical perspective.First,the government and sports associations must be brought into play.Second,the Internet and big data thinking must be introduced to create a more open and professional sports insurance service system.In the mean time,the development of the Internet,information technology and smart devices can be fully utilized to obtain relevant data.Finally,The sports data link can be used efficiently to promote the coordinated development of sports,health and insurance.