设立学生实习责任保险的必要性与可行性研究

摘要

Practice liability insurance plays a vital role in solving practice disputes concerning com pensation for dam age, scattering school internship injury risk, alleviateing the pressure of the internship unit com pensation, defending personal rights and interests of students and im proving the system of liability insurance. It is necessary and feasible to set up practice liability insurance: injury risk belongs to pure risk, insurable risk; insurance developm ent has good internal driving force; insurance developm ent has broad m arket space. To give full play to the scattering risks function of the practice liability insurance, it can be established as policy-based insurance.%实习责任保险在解决实习伤害赔偿纠纷、分散学校实习伤害风险、缓解实习单位赔偿压力、维护学生人身权益、健全责任保险制度等方面发挥着举足轻重的作用。设立实习责任保险不仅必要而且可行：伤害风险属于纯粹风险、可保风险；保险开发具有良好的内驱力；保险发展具有广阔的市场空间。要充分发挥实习责任保险分散风险的功能，可以考虑将之确立为政策性保险。