摘要
频发的学校体育意外伤害事故是我国学校体育管理工作中的一大难题,转移风险的保险机制理应对此发挥作用。然而,我国目前学校体育意外伤害事故中受害人的危险保障需求与保险供给之间存在较大空缺。新修订《体育法》第33条虽从宏观上明确国家要建立健全学生体育活动意外伤害保险机制,但对其微观面的构成内容并未作出任何规定。研究认为,学校体育意外伤害保险机制的制度构建应从两个方面展开:一是在保险模式上,需确立强制险的合同订立方式,建立以政府为主,学校、个人为辅的保费负担机制;二是在规则设计上,采取团体保险的承保方式,明确同意规则不应适用,扩大解释保险责任的时间、空间范围,并确立医疗、伤残与死亡二分法的赔付规则。
The frequent occurrence of accidental injury accidents in school physical education is a major obstacle to the school sports management in China,and insurance mechanisms for transferring risks should actually play a role during that course.However,there is a large gap between the demand for hazard protection and the supply of insurance in the present accidental injury accidents in our country.At the macro level,the provision 33 of the newly revised sports law specifies that the state shall establish an accidental injury insurance mechanism for students'sports activities,but does not make any provisions for its internal regulation at the microscopic level.The study concludes that the system construction of accidental injury insurance mechanism for school physical education should be carried out from two aspects:at first,in the insurance model,establishing compulsory insurance and a premium burden mechanism mainly taken by the government and supplemented by the schools and individuals;and second,in terms of rule designs,adopting group insurance and making it clear that the consent rule should not be applied,and expanding the scope of interpretation of insurance liability,and then establishing different rules for payment of medical treatment and disability versus death.
作者
王旭升
WANG Xusheng(Koguan School of Law,Shanghai Jiaotong University,Shanghai 200030,China)
出处
《体育学刊》
CAS
北大核心
2023年第4期62-68,共7页
Journal of Physical Education
基金
教育部人文社科青年基金项目(18YJC820087)。
关键词
体育法
体育意外伤害保险
自甘风险
强制保险
团体保险
sports law
sports accidental injury insurance
assumption of risk
compulsory insurance
group insurance
