Research On The Development Of China’s Childcare Institution Liability Insurance

In recent years,in order to improve the population structure,the state has introduced several policies to encourage fertility,but the fertility rate has not improved significantly.One of the important reasons is that the birth of the child is no one cares about.At the same time,the problems of the nursery institutions have gradually exposed the public’s vision.The problems of security issues and poor operations have affected the development of the career.Due to the low level of physiological functions and cognitive levels of infants and young children,coupled with the incidence of danger,do not know how to protect themselves,insufficient safety awareness,and it is easy to cause various types of dangerous accidents,such as infants and young children.Personal injuries and maliciously picked up by others.Judging from the cause of the occurrence,the educational institutions have not fulfilled the infringement accident caused by the responsibility of security protection,the injury accidents caused by infants themselves,and accidents caused by natural disasters and other force majeure factors.Regarding the problem of handling of infringement liability accidents in the care institution,it involves how to confirm the responsibility and whether the compensation capacity of the nursery institution is sufficient.Under normal circumstances,the scale of childcare institutions is small and limited profitability.Therefore,when a large amount of compensation or a small amount of compensation occurs,the nursery institution is often unable to afford it,which further causes the vicious circle of disputes between the nursery institutions and parents,which has triggered a series of social negative news.The enrollment industry enrolls has an adverse effect.Therefore,many childcare institutions stop all outdoor activities,and even some basic sports activities in order to avoid safety accidents in infants and young children.These are not conducive to the healthy growth of infants and young children.Therefore,research on how to pass the liability for compensation for the care institution to ensure the interests of all parties.Against this background,the responsibility insurance of the nursery institution came into being,and the comprehensive liability insurance of the "small red flower" custody institution by the Huize Insurance Brokerage Corporation and the Pacific Insurance Company considers the actual situation of our country and expanded the age group.The recipient-based nursery institutions are also included in the insurance scope after risk assessment.The existing childcare institutions in my country should be guaranteed.At the same time,they also participate in the daily management and operation of the nursery institutions.Explanation and cooperation with custody researchers to discuss the operating issues of nursery institutions,etc.,so that insurance companies and childcare institutions have been restored together,truly realized the purpose of controlling costs and reducing the payment rate.After the introduction,the article is mainly divided into six parts.The first part introduces the case of "Little Red Flower" comprehensive liability insurance for childcare institutions jointly launched by Huize Brokerage Company and Pacific Insurance Company.In the second part,comprehensively introduce the above cases and conduct in-depth analysis to explore the advantages of this product and the significance of society,especially what is the significance of the insurance industry in my country.And detailed analysis of the necessity and feasibility of the responsibility insurance for the development of the development of education institutions in my country to discuss whether the insurance has development significance and possibility in my country.In the third part,study the development status and existence of responsibility insurance for the education institutions in my country,according to the regional division,the development status of Guangxi,Xuancheng,and Nanjing is introduced to analyze the three aspects of product content,the source of premiums,and the participation rate.It is obtained the problems of insufficient number of responsible insurance products in my country,low coverage,low source of premiums,and insufficient insurance protection.The fourth part further analyzes the reasons behind the problem,analyzes the factors that restrict the development of liability insurance of childcare institutions in China in detail,and concludes that the development of liability insurance of childcare institutions in China is restricted by five reasons: difficulty in identifying accident liability,low enthusiasm of insurance companies in developing and operating products,insufficient effective demand for liability insurance of childcare institutions,chaotic operation of childcare institutions,and asymmetric information between insurance companies and childcare institutions.In the fifth part,through the introduction of the current status of responsibility insurance for the United States and Japan,the status of responsibility insurance and related risk management measures,from which it can use the experience that can be used for reference.The sixth part,in response to the problems existing in the development process,combined with the current status of responsibility insurance for the responsibility insurance of my country’s nursery institutions and childcare institutions,put forward suggestions from the government,insurance companies,and nursery institutions.At the government level,as the main force of supervision,it is necessary to improve the relevant supporting system,provide institutional support,help the promotion of insurance products for the childcare institution,and improve the source of premium sources;as a provider of the insurance company,the top-level design of the insurance system must be improved.We will continue to work hard to enrich the insurance type.The products provided must meet the needs of the nursery institutions and parents,set up an accident responsibility identification team,solve the problem of difficulty in the determination of accident responsibility,and establish a data sharing platform to strengthen information interoperability and data Unicom.The way to share risks;As the main place for the risk source,the nursery institution must strengthen its own risk management,and strengthen the ability to prevent accidents through the "combination of medical education".