Student Group Insurance Study

Recently, the safety problem of the youth has become a. worldwide issue. From the 1970s, in the western developed countries, the accidental death rate tops in the order of the children death reasons. More and more school accidents bring about the law issue between the school and the children's parents, the numerous compensation amount and the following side effects, which not only accentuate school's economic burden, but also defame the school, deteriorate the relationship between the school and the children's parents, leave misery for the students and the families, and even hinder school's normal instruction. Thus, educational circle, legal circle and many other circles begin to focus on the problems above.The paper fist expounds the background, significance and means of the research of the students' group insurance. Then, based on the overview of the students' group insurance conditions at home and abroad, the author expects to grasper the relative theories and the conditions in practice. The third section in the paper explains the investigation on the students' group insurance in China. The author investigates and interviews the teachers, students and students' parents of five elementary and high schools in Shanghai in order to find the practical problems. According to the results of the investigation, drawing on the concerned experience abroad, the author tries to constitute a mutual and compulsive pattern for the students' group insurance, gives some political suggestions on its use and predicts its development in the future.