The need for high-risk sports insurance to increase the safety factor.
This year, with the successful holding of the Olympic Games in Beijing, a high sports passion in the domestic set off waves of sports fever, it can be said that this year is the Chinese year of the campaign. In the post-Olympic era, the campaign brought out many new topics, but also led people to think of them, sports insurance has become a hot topic in one of you.
In response, many insurance experts and the industry have pointed out that the Beijing Olympic Games will be "hot reminder" of the Chinese sports insurance business opportunities, but also will promote the development of China's largest sports insurance is an important opportunity.
Domestic insurance players physically, "budding"
In the current Olympic Games, Liu Xiang Beijing Olympic Games because of injury from the 110-meter hurdles preliminaries led to strong public concern, and the Chinese national track and field team as the insurance partner Ping An of China (601,318, it shares) insurance is also the first to respond to that , In addition to safety, as always, take concrete actions to support the development of sports in China, will begin to actively explore and to speed up the development of the athlete limb part of feature special insurance products, marks the physical security of our athletes to start "budding."
It is understood that in October 2007, Ping An of China, the State Sport General Administration of track and field sports management center with the Chinese track and field team and Liu Xiang signed a tripartite security amounted to 100,000,000 yuan of personal accident insurance policy, Liu Xiang has a personal 1 year of 100,000,000 yuan of insurance cover personal accident insurance, the rest of the track and field team 100 per million personal accident insurance, insurance for the period from November 1, 2007 to October 31, 2008 for a period of 1 year. According to the China Insurance Regulatory Commission with the relevant provisions of these insurance policies cover the risk in the normal range of personal accident insurance protection.
Liu Xiang after retirement, that peace has been active in collecting body parts of the special athletes probability of loss of function, type, such as the extent of large amounts of data, and actively carry out relevant experience, data, reports, market research, try to start the development of special athletes Loss of limb function of parts of insurance products, hoping to lift the majority of athletes to worry about, and take concrete actions to support China's sports undertakings flourish.
The industry said that the Chinese athletes and a lot of demand for insurance is not low, but the athletes for the insurance is extremely rare. Earlier, Liu Xiang had to hope that their legs insured, but because it can not be found to provide such insurance products, insurance companies could only give up. Performing arts star athletes, and other special groups of the special loss of limb function of parts of the introduction of insurance products, based on the experience of the insurance companies need to calculate the probability of Chuxian, and thus determine the premium rates, domestic insurance companies in this regard, the lack of comparative data on the accumulation of This is currently the main reason for the lack of such products.
A hole insurance companies "pay"
Reporters from the Mission Hills Golf Club was informed that the activities of a customer, a customer in his golf game, played a hole of the amazing achievements, and therefore unexpectedly won a Mercedes car, which Vehicles by vehicle insurance companies "pay", the original sponsor of the Mercedes-Benz competition in the insurance before a "hole-in-one" insurance.
It is understood that in the current business insurance, relating to golf's major players including the all-risk golf, golf courses and an all-risk insurance hole. However, the risk is often a hole is not selling, general and comprehensive risk golfer tie-ins, bought a comprehensive Golfer of the insurance players in the game, in the event of accidents, insurance companies will be able to claim, and the largest of the "accident" Once the player is to play "a hole" after the results, insurance companies have to "compensation" player costs a hole. However, the compensation is not so much as it is the reward.
Reporters learned that the market in Shenzhen, the Shenzhen branch was太平洋产险"golfer-risk", is the first specifically designed golf insurance, at present, the insurance market in Shenzhen, including the implementation of the commitment, "a Hole "golf insurance costs insurance companies more and more. In April this year, the BMW Golf Cup International Cup races on the Shenzhen Bao hit on a special "hole-in-one" special award winners will be held to award a BMW 325I, held in connection with this risk to the insurance company Insurance, the insurance company to assume the Ministry of BMW cars full price.
According to American statistics, for professional and amateur players, a hole is the probability of 3708:1; for ordinary members of the club, is the opportunity to 42952:1. And "a dangerous hole" in the development of Japan's long history, according to Japan's practice, once the player has a hole, the player must bear the full cost of all the participants to buy souvenirs, the banquet held at a golf course Memorial tree planting, and so on, bought an insurance hole, all costs incurred by insurance companies.
A huge market waiting for the "mining"
According to incomplete statistics, China's 70 million sports complex, to be held throughout the year in the last 600 yards of the State Sports General Administration plans to major sports events, and there are 300,000,000 people regularly participate in sports activities at all levels of professional athletes have been Up to 100,000 people, China's sports industry organizations operating up to more than 20,000, more than 60 million employees. From these statistics, China's sports insurance is not hard to understand the tremendous business opportunities.
Reporters learned that the insurance companies in our catalog, targeted, fully embody the characteristics of sports insurance products less Chinese vacancy sports insurance products, the result is a sports insurance reserves in the unlimited business opportunities Lack of development, athletes, sports events and their property are not an effective security risk.
Experts said that at present, the majority of China's sports insurance is a sponsor of nature, far from reality can not meet the demand. At present, the sports insurance market in China is a relatively new area, although in recent years, China's sports insurance industry has made some breakthroughs, such as "football insurance system," "Swimming Pool insurance regulations" were introduced, but also the whole sports insurance In its infancy, there is less insurance, high rates, the lack of flexibility in terms of, can not meet the requirements of different sports and many other issues.
Insurance companies say, because sports is the limit of human physiological challenge. In the training and competition in the difficult, high-intensity, high standards and high against the decision of the high-risk sports, it is difficult to avoid injuries, mortality, disability rates are higher in these areas related to China's statistics also very Scarcity, most insurance companies not dare set foot in this area, coupled with the lack of sports insurance professionals, and sports insurance is a class of highly technical business, many insurance companies do not have this ability and can only be "deterred" .
At the same time, in addition to sports, fitness and physical education in schools is also a very large market, but for a long time, the public school physical education and sports insurance insurance, insurance has always been weak in the field of sports, with the improvement of people's living standards and insurance requirements The increase in sports such insurance products will be increased, it will become a huge potential market.
Background
Sports insurance abroad
According to the studies have shown that various countries have different patterns of sports insurance system: First, the government-led participatory sports insurance system model; The second is the support of the Government's non-sports insurance system model; Third, the government-funded business model of sports insurance system; four Government support is focused on selective sports-mode system; Fifth, the Government monopoly of the operating mode of sports insurance system.
In developed countries, athletes generally have a strong sense of insurance for many well-known athletes at their own hand, foot or even a finger because of their enormous insurance. In addition, sports insurance is a very sound and professional business insurance. American sports industry's annual production value of more than 60,000,000,000 U.S. dollars, sports insurance is an important component.
The industry said that the sport's all kinds of accidents and risk insurance through sport can be best resolved, such as the 2006 Germany World Cup, David Beckham and Trinidad and Tobago in preparation for the match before Their own "Jintui" bought 31,000,000 pounds of insurance, and Sang Lan Chinese athletes in the United States in 1998 Goodwill Games last fall, the Goodwill Games as she 10,000,000 U.S. dollars provided by the high medical insurance not only was she the best The treatment, and give full play to the sports insurance for the protection of athletes.
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