Practical Deviations and Corrective Paths of Group Commercial Insurance for Persons with Disabilities
Commercial insurance is an important part of the"basic+supplemental"multi-level protection system for persons with disabilities,covering risks beyond the basic scope of social security and assuming responsibilities above the basic level.At present,there is no individual commercial insurance for persons with disabilities in the strict sense of the term,and only government-led group commercial insurance exists in China.On reviewing the legal instruments in force,working documents of provincial and municipal disabled persons'federations and the contents of insurance policies,it was found that the implementation of group commercial insurance for persons with disabilities has revealed practical problems such as systematic dilemma of generalization of legal norms,a relatively low level of protection,rough terms and conditions of the policy,and excessive judicial protection.Future recommendations include systematically constructing the blanket insurance model,co-insurance body underwriting model and supporting system of group commercial insurance for persons with disabilities through the legislative protection mechanism,effectively constructing the insurance system,expanding the source of funds for insurance and materializing the terms of the policy through the market operation mechanism,and timely adjusting the protection orientation of the judicial adjudication mechanism to return to the neutral position,so as to realize the maximum insurance protection for persons with disabilities under the premise of the financial security of the insurance industry in China.
Persons with disabilitiesAccident insuranceSupplemental safeguardsWeak market protectionExcessive judicial protection
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