全民健身背景下社会和商业医疗保险保障研究
Social and Commercial Medical Insurance Coverage for National Fitness
摘要: 目的：探讨目前我国社会医疗保险和商业保险在全民健身方面保障机制是否完善，分析全民健身保险体系面临的机遇和存在的问题，就问题提出对策，为完善我国医疗保险体系、促进体育保险行业的发展等相关研究提供解决思路。方法：采用文献资料分析法和SWOT分析法进行分析。结果和结论：研究认为，社会医疗保险方面，体育健身花销未纳入报销保障范围；商业保险方面，已开始发展运动类保险；保险科技和市场潜力是全民健身保险保障的优势与机遇；法治建设不健全、险种不全、群众保险意识淡薄是存在的问题与不足。建议：建立健全体育保险法律法规体系；加强体育保险产品开发与完善，培养专项人才；加大宣传力度，增强保险意识；构建体育保险数据网。
Abstract:
Objective: Discuss whether the current social medical insurance and commercial insurance secu-rity mechanisms in national fitness of China are perfect, analyze the opportunities and existing problems faced by the national fitness insurance system, and put forward countermeasures for the problems, so as to provide solutions for improving my country’s medical insurance system and promoting the development of the sports insurance industry. Methods: Analyze using literature analysis and SWOT analysis. Results and Conclusions: In terms of social medical insurance, sports and fitness expenses are not included in the scope of reimbursement coverage; in terms of commercial insurance, sports insurance has begun to develop; insurtech and market potential are advantages and opportunities of national fitness insurance guarantee; imperfect legal construction, incomplete insurance types, and weak public awareness are problems and deficiencies existing in insurance. Advice: Establish and improve the sports insurance laws and regulations system; strengthen the development and improvement of sports insurance products, cultivate special talents; increase publicity efforts to enhance insurance awareness; build a sports insurance data network.
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