本文選題：獲得性殘疾 + 致殘原因��； 參考：《濟(jì)南大學(xué)》2017年碩士論文

【摘要】：隨著我國國民社會保障體系建設(shè)的不斷完善,社會保險及商業(yè)保險發(fā)揮著各自的重要作用,與此同時,由于經(jīng)濟(jì)社會的快速發(fā)展導(dǎo)致風(fēng)險數(shù)量和種類增多,以此造成獲得性殘疾人口規(guī)模不斷擴大,直接導(dǎo)致殘疾人數(shù)量不斷增多。在此背景下,旨在通過對獲得性殘疾人保險現(xiàn)狀的研究,了解現(xiàn)階段我國的保險(社會保險及商業(yè)保險)對于后天由于不同原因致殘的人群的保障,從而發(fā)現(xiàn)其中存在的問題并提出意見及建議。通過定量的統(tǒng)計分析與定性的訪談相結(jié)合的研究方法發(fā)現(xiàn)目前獲得性殘疾人的致殘原因以非傳染性疾病致殘為主,該致殘原因隨著年齡增長在所有致殘中所占的比例越來越大;其次,不同殘疾類型的獲得性殘疾人主要致殘因素也均為非傳染性疾病致殘;最后,在致殘風(fēng)險方面,年齡不同的人口及不同性別的人口面臨的風(fēng)險也不同。關(guān)于保險現(xiàn)狀的研究發(fā)現(xiàn)獲得性殘疾人的法律意識淡薄,個人的權(quán)利與義務(wù)關(guān)系認(rèn)識模糊,相關(guān)保險意識相對較差,商業(yè)保險認(rèn)知度較差;在社會保險方面,社會保險制度設(shè)計不周全,社會保險監(jiān)督責(zé)任落實不到位,特殊人群的致殘沒有保障,保險整體保障水平有待提高;商業(yè)保險方面,目前我國的保險市場發(fā)展不均衡,保險險種發(fā)展相對滯后;在保險產(chǎn)品設(shè)計方面也存在不合理之處,同時保險的保障功能較弱;專業(yè)化經(jīng)營程度不高,缺乏專門的殘疾保險保障。在此基礎(chǔ)上,建議政府應(yīng)當(dāng)加強支持力度,加大法制宣傳,增強國民法治觀念;完善社會保險保障功用,推進(jìn)商業(yè)保險補充機制建設(shè);加快長期護(hù)理保險的制度建設(shè),保障老年殘疾人的老年生活;社會應(yīng)當(dāng)加強多方合作,加快發(fā)展殘疾人事業(yè);加大保險宣傳力度,提高國民保險意識;個人應(yīng)當(dāng)明確個人的權(quán)利與義務(wù),提高商業(yè)保險認(rèn)知度;關(guān)注自身健康問題,提高規(guī)避風(fēng)險的意識與能力,提早制定保險計劃。
[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.
【學(xué)位授予單位】：濟(jì)南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F842.6;D669.69

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