获得性残疾人保险现状研究

发布时间：2018-06-17 14:05

本文选题：获得性残疾 + 致残原因　；参考：《济南大学》2017年硕士论文

【摘要】：随着我国国民社会保障体系建设的不断完善,社会保险及商业保险发挥着各自的重要作用,与此同时,由于经济社会的快速发展导致风险数量和种类增多,以此造成获得性残疾人口规模不断扩大,直接导致残疾人数量不断增多。在此背景下,旨在通过对获得性残疾人保险现状的研究,了解现阶段我国的保险(社会保险及商业保险)对于后天由于不同原因致残的人群的保障,从而发现其中存在的问题并提出意见及建议。通过定量的统计分析与定性的访谈相结合的研究方法发现目前获得性残疾人的致残原因以非传染性疾病致残为主,该致残原因随着年龄增长在所有致残中所占的比例越来越大;其次,不同残疾类型的获得性残疾人主要致残因素也均为非传染性疾病致残;最后,在致残风险方面,年龄不同的人口及不同性别的人口面临的风险也不同。关于保险现状的研究发现获得性残疾人的法律意识淡薄,个人的权利与义务关系认识模糊,相关保险意识相对较差,商业保险认知度较差;在社会保险方面,社会保险制度设计不周全,社会保险监督责任落实不到位,特殊人群的致残没有保障,保险整体保障水平有待提高;商业保险方面,目前我国的保险市场发展不均衡,保险险种发展相对滞后;在保险产品设计方面也存在不合理之处,同时保险的保障功能较弱;专业化经营程度不高,缺乏专门的残疾保险保障。在此基础上,建议政府应当加强支持力度,加大法制宣传,增强国民法治观念;完善社会保险保障功用,推进商业保险补充机制建设;加快长期护理保险的制度建设,保障老年残疾人的老年生活;社会应当加强多方合作,加快发展残疾人事业;加大保险宣传力度,提高国民保险意识;个人应当明确个人的权利与义务,提高商业保险认知度;关注自身健康问题,提高规避风险的意识与能力,提早制定保险计划。
[Abstract]:With the continuous improvement of China's social security system, social insurance and commercial insurance play an important role, at the same time, because of the rapid development of the economy and society, the number and types of risks increase. As a result, the size of the population with acquired disabilities continues to expand, directly leading to an increase in the number of persons with disabilities. In this context, through the study of the status quo of acquired disability insurance, the purpose of this paper is to understand the current insurance (social insurance and commercial insurance) protection for the disabled people due to different reasons. In order to find out the existing problems and put forward comments and suggestions. Through the combination of quantitative statistical analysis and qualitative interviews, it is found that the main causes of disability caused by acquired disabled persons are non-communicable diseases (NCDs), which account for more and more of the total disability with the increase of age. Secondly, the main disability factors of acquired disabled persons with different types of disability are non-communicable diseases. Finally, in terms of disability risk, people of different ages and different gender face different risks. The research on the status quo of insurance found that the legal consciousness of acquired disabled persons is weak, the relationship between rights and obligations of individuals is vague, the awareness of relevant insurance is relatively poor, the awareness of commercial insurance is relatively poor; in the aspect of social insurance, The social insurance system is not well designed, the responsibility for social insurance supervision is not in place, the disability caused by special people is not guaranteed, and the overall level of insurance protection needs to be improved. In terms of commercial insurance, the current development of the insurance market in our country is not balanced. The development of insurance is relatively lagging; there are also unreasonable points in the design of insurance products, and the function of insurance protection is weak; the degree of specialized management is not high, and there is a lack of special disability insurance protection. On this basis, it is suggested that the government should strengthen the support, increase the publicity of the legal system, strengthen the concept of the national rule of law, improve the function of social insurance, promote the construction of the supplementary mechanism of commercial insurance, accelerate the construction of the system of long-term nursing insurance. The society should strengthen the cooperation in various ways to speed up the development of the disabled people's cause; strengthen the propaganda of insurance to raise the awareness of national insurance; the individual should clarify the rights and obligations of individuals and improve the commercial insurance awareness; Pay attention to their own health problems, improve their awareness and ability to avoid risks, and develop insurance plans ahead of time.
【学位授予单位】：济南大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.6;D669.69

【参考文献】