雇主责任保险产品研究.doc

雇主责任保险产品研究【摘要】随着社会经济的飞速发展作为经济体系三大组成成分之一的保险业也在逐渐进步。在这个过程中无论是人身保险还是财产保险的产品都经历了很多阶段的创新和改善。但相比于整个保险行业的发展雇主责任保险产品的发展却十分缓慢的。本文就目前市面上仍在售雇主责任保险产品数量不多这一现象以中国人寿的雇主责任保险产品为例分析雇主责任保险产品存在的相同点和不同点。同时根据在售的雇主责任险的产品特点结合雇主责任保险产品发展历程、已有的国家政策和雇主责任保险产品的定价策略对比其与工伤保险、团体意外险的区别和融合讨论雇主责任保险产品仍存在的问题和应改进的地方从而对雇主责任保险产品的市场拓展和产品优化提出策略。【关键词】雇主责任险；产品研究；市场拓展注：本论文（设计）题目来源于教师的国家级（或省部级、厅级、市级、校级、企业）科研项目项目编号为：。Employerliabilityinsuranceproductresearch[Abstract]Withtherapiddevelopmentofsocialeconomyasoneofthethreecomponentsoftheeconomicsystemtheinsuranceindustryisalsograduallyimproving.Inthisprocessbothlifeinsuranceandpropertyinsuranceproductshaveexperiencedmanystagesofinnovationandimprovement.Butcomparedwiththedevelopmentofthewholeinsuranceindustrythedevelopmentofemployerliabilityinsuranceproductsisveryslow.ThispaperanalyzesthesimilaritiesanddifferencesoftheemployerliabilityinsuranceproductstakingtheemployerliabilityinsuranceproductsofChinalifeasanexample.Atthesametimeaccordingtothecharacteristicsoftheemployer'sliabilityinsuranceproductsonsalecombinedwiththedevelopmentprocessoftheemployer'sliabilityinsuranceproductstheexistingnationalpoliciesandthepricingstrategiesoftheemployer'sliabilityinsuranceproductsthepapercomparesthedifferencesandintegrationwiththeindustrialinjuryinsuranceandgroupaccidentinsurancediscussestheproblemsandimprovementsoftheemployer'sliabilityinsuranceproductssoastoexpandthemarketoftheemployer'sliabilityinsuranceproductsAndproductoptimizationstrategy.[Keywords]EmployerLiabilityInsuranceProductResearchMarketExpanding目录1前言11.1研究目的与意义11.2研究方法11.2.1文献研究法11.2.2对比分析法21.2.3举例分析法22雇主责任保险产品的概述32.1雇主责任保险产品的定义32.2雇主责任保险产品的保障内容及保障范围32.2.1工伤或职业病引起的伤残或死亡32.2.2医疗费用报销32.2.3误工津贴32.2.4非工作期间的身故伤害42.3雇主责任保险产品发展的必要性42.3.1雇主责任保险对政府的意义42.3.2雇主责任保险对保险公司的意义42.4雇主责任保险产品的发展现状52.4.1国外雇主责任保险产品的发展现状52.4.2国内雇主责任保险产品的发展