The Research On The Current Situation Of Insurance To Acquired Disabled

With the improvement of the Chinese social security system construction,social insurance and commercial insurance play an important role,at the same time,With the rapid development of economy in our society,the scale of acquired disabled population is increasing,which leads to an increase in the number of people with disabilities.In this double context,the purpose of this paper is to study the current situation of insurance to acquired disabled,Understanding the current stage of Chinese Insurance(include social insurance and commercial insurance)for the acquired disabled that due to different reasons ensure,from which to find the problems and giving opinions and making suggestions.By using the quantitative and qualitative research method was found the cause of acquired disabled currently dominated by non-communicable diseases,and as grow older,the proportion of it in greater.The main cause of the disability from the different types of disability is non-communicable diseases.Different age and sex of the people face different risk.Study on the insurance status were found that acquired disabled legal consciousness was weakly,they couldn't understanding the relationship between the rights and obligations of the individual's,awareness of the relevant insurance is relatively weak,and they have the poorly awareness of commercial insurance;In the part of social insurance,the system of it is not perfect,the social insurance supervision responsibility is not fully implemented,the special crowd of disability is not guaranteed,the overall security level of insurance needs to be improved;In the commercial insurance,insurance market development is not balanced,insurance products is lagging behind the development of insurance;the unreasonable design of insurance protection function is weak;specialization degree is not high and lack of specialized disability insurance.Proposed to the Government's strengthen support,increased publicity and improve the people's awareness of the rule of law;Perfecting social security protection,advancing the additional mechanisms of commercial insurance;To speed up the design of long-term care insurance system to protect the elderly disabled life;The social makes efforts to strengthen the cooperation between the different sides,and accelerate the development of the disabled career;Efforts to increase the awareness of insurance,raise the awareness of insurance;The individual should define the rights and obligations of the individual,raise the awareness of commercial insurance;Pay attention to our own health problems,improve the awareness and ability to avoid risk,and make an insurance plan early.