这款保险有多好？姚明亲自站台了
<section style="box-sizing: border-box;font-size: 16px;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="box-sizing: border-box;"><section style="display: inline-block;width: 100%;vertical-align: top;background-color: rgb(200, 233, 255);padding-right: 15px;padding-bottom: 15px;padding-left: 15px;box-shadow: rgb(0, 0, 0) 0px 0px 0px;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="text-align: left;margin-right: 0%;margin-bottom: -22px;margin-left: 0%;transform: translate3d(15px, 0px, 0px);box-sizing: border-box;"><section style="display: inline-block;width: 70px;height: 50px;vertical-align: top;overflow: hidden;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="text-align: center;margin-right: 0%;margin-left: 0%;box-sizing: border-box;"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><img class="raw-image" data-ratio="0.6688103" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaNjLObicsY9ibLfHt7rZ1h2A4fzficup2lMvIOwBoJlJqR1hBq3g5RiclIOtOlcMzibcbI02cKbU6iar1Q0n62oCJic4Q%2F640%3Fwx_fmt%3Dpng" data-type="png" data-w="311" style="vertical-align: middle;box-sizing: border-box;"></section></section></section></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="box-sizing: border-box;"><section style="display: inline-block;width: 100%;vertical-align: top;border-width: 2px;border-radius: 10px;border-style: none;border-color: rgb(33, 91, 233);overflow: hidden;padding: 20px;background-image: linear-gradient(225deg, rgb(33, 91, 233) 0%, rgb(0, 160, 255) 100%);box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="box-sizing: border-box;"><section style="color: rgb(255, 255, 255);line-height: 2;letter-spacing: 1.5px;box-sizing: border-box;"><p style="white-space: normal;box-sizing: border-box;">2019年4月27日，中国人寿与中篮联(北京)体育有限公司（CBA）在广东东莞举办CBA球员合同保障险签约发布会，现场发布了国内首款职业体育失能收入保险——CBA球员合同保障险，填补了CBA乃至中国运动保险领域的空白。</p></section></section></section></section></section></section></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="text-align: center;margin: -1px 0% 10px;box-sizing: border-box;"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 100%;box-sizing: border-box;"><svg class="svg" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 828.5 74.6" style="vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;" xml:space="preserve" width="100%"><path d="M828.5-69.2v97.5c-57.3,7.2-133.9,14.8-203.8,14.8c-133.8,0-280.8-28.5-417.7-28.5C103.4,14.6,29.7,25.2,0,30.3v-99.6H828.5 z" fill="rgb(200,233,255)" style="box-sizing: border-box;"></path><path style="box-sizing: border-box;" d="M828.5,28.3V49c-57.3,12.5-133.9,25.6-203.8,25.6c-133.8,0-280.8-49.3-417.7-49.3 C103.4,25.3,29.7,43.6,0,52.5V30.3c29.7-5.2,103.4-15.7,206.9-15.7c136.9,0,283.8,28.5,417.7,28.5C694.6,43.1,771.2,35.5,828.5,28.3 z" fill="rgba(200,233,255,0.52)"></path></svg></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="margin-right: 0%;margin-bottom: 10px;margin-left: 0%;box-sizing: border-box;"><section style="display: inline-block;width: 100%;vertical-align: top;padding-right: 15px;padding-left: 15px;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="box-sizing: border-box;"><section style="display: inline-block;width: 100%;vertical-align: top;border-width: 2px;border-radius: 10px;border-style: solid;border-color: rgb(59, 158, 255);overflow: hidden;box-shadow: rgb(0, 0, 0) 0px 0px 0px;box-sizing: 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border-box;"><section style="display: inline-block;width: 40px;height: 40px;vertical-align: top;overflow: hidden;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="text-align: center;margin-right: 0%;margin-bottom: 10px;margin-left: 0%;box-sizing: border-box;"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><img class="raw-image" data-ratio="1" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaNjLObicsY9ibLfHt7rZ1h2A4fzficup2lMKF7pEYGo8F3PqoNuRKMU70yB6JhCRDpWJ5nRUXB1Al0NOq9SZmqKdw%2F640%3Fwx_fmt%3Dpng" data-type="png" data-w="248" style="vertical-align: middle;box-sizing: border-box;"></section></section></section></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="text-align: center;margin-right: 0%;margin-bottom: -5px;margin-left: 0%;transform: rotateX(180deg) rotateY(180deg);box-sizing: border-box;"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 100%;box-sizing: border-box;"><svg class="svg" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 828.5 74.6" style="vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;" xml:space="preserve" width="100%"><path d="M828.5-69.2v97.5c-57.3,7.2-133.9,14.8-203.8,14.8c-133.8,0-280.8-28.5-417.7-28.5C103.4,14.6,29.7,25.2,0,30.3v-99.6H828.5 z" fill="rgb(59,158,255)" style="box-sizing: border-box;"></path><path style="box-sizing: border-box;" d="M828.5,28.3V49c-57.3,12.5-133.9,25.6-203.8,25.6c-133.8,0-280.8-49.3-417.7-49.3 C103.4,25.3,29.7,43.6,0,52.5V30.3c29.7-5.2,103.4-15.7,206.9-15.7c136.9,0,283.8,28.5,417.7,28.5C694.6,43.1,771.2,35.5,828.5,28.3 z" fill="rgb(159, 207, 255)"></path></svg></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="margin-right: 0%;margin-left: 0%;box-sizing: border-box;"><section style="display: inline-block;width: 100%;vertical-align: top;background-color: rgb(59, 158, 255);padding: 10px 15px 15px;letter-spacing: 0px;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="box-sizing: border-box;"><section class="tn-yzk-fuid-text-86192-1552268767576" style="font-size: 12px;color: rgb(255, 255, 255);letter-spacing: 1.8px;line-height: 1.8;box-sizing: border-box;"><p style="white-space: normal;box-sizing: border-box;">中国人寿保险（集团）公司董事长王滨，中国篮球协会主席、CBA公司董事长姚明等出席此次签约发布会。中国人寿/供图</p></section></section></section></section></section></section></section></section></section></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="text-align: center;margin: 10px 0% 20px;box-sizing: border-box;"><section style="display: inline-block;min-width: 10%;max-width: 100%;vertical-align: top;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="text-align: left;margin-right: 0%;margin-bottom: -22px;margin-left: 0%;transform: translate3d(1px, 0px, 0px);box-sizing: border-box;"><section style="display: inline-block;width: 70px;height: 50px;vertical-align: top;overflow: hidden;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="text-align: center;margin-right: 0%;margin-left: 0%;box-sizing: border-box;"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><img class="raw-image" data-ratio="0.6688103" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaNjLObicsY9ibLfHt7rZ1h2A4fzficup2lMvIOwBoJlJqR1hBq3g5RiclIOtOlcMzibcbI02cKbU6iar1Q0n62oCJic4Q%2F640%3Fwx_fmt%3Dpng" data-type="png" data-w="311" style="vertical-align: middle;box-sizing: border-box;"></section></section></section></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="box-sizing: border-box;"><section style="display: inline-block;width: 100%;vertical-align: top;border-width: 0px;border-radius: 100px 0px 0px 100px;border-style: none;border-color: rgb(62, 62, 62);padding-right: 45px;padding-left: 35px;background-image: linear-gradient(315deg, rgb(33, 91, 233) 33%, rgb(129, 231, 253) 100%);box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="transform: translate3d(1px, 0px, 0px);-webkit-transform: translate3d(1px, 0px, 0px);-moz-transform: translate3d(1px, 0px, 0px);-o-transform: translate3d(1px, 0px, 0px);margin: 10px 0%;box-sizing: border-box;"><section style="color: rgb(255, 255, 255);line-height: 1;letter-spacing: 2px;box-sizing: border-box;"><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;">国内首款CBA球员合同保障险发布</strong></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section></section></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="text-align: right;margin-top: -35px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;"><section style="display: inline-block;width: 35px;height: 35px;vertical-align: top;overflow: hidden;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="text-align: center;margin-right: 0%;margin-left: 0%;box-sizing: border-box;"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><svg class="svg" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 300 300" style="vertical-align: middle;max-width: 100%;box-sizing: border-box;" xml:space="preserve" width="100%"><path style="box-sizing: border-box;" d="M285.3,285.3c9.1-9.1,14.7-21.6,14.7-35.3v50h-50C263.8,300,276.3,294.4,285.3,285.3z" fill="rgb(255, 255, 255)"></path><path style="box-sizing: border-box;" d="M300,0v250c0-13.8-5.6-26.3-14.7-35.3c-9.1-9.1-21.6-14.7-35.3-14.7s-26.3,5.6-35.3,14.7 c-9.1,9.1-14.7,21.6-14.7,35.3c0,27.5,22.5,50,50,50H73c13.8,0,26.3-5.6,35.3-14.7c9.1-9.1,14.7-21.6,14.7-35.3 c0-27.5-22.5-50-50-50H50c-13.8,0-26.3-5.6-35.3-14.7C5.6,176.3,0,163.8,0,150c0-27.6,22.4-50,50-50h144c13.8,0,26.3-5.6,35.3-14.7 C238.4,76.3,244,63.8,244,50c0-27.5-22.5-50-50-50H300z" fill="rgb(255, 255, 255)"></path><path style="box-sizing: border-box;" d="M300,250c0,13.8-5.6,26.3-14.7,35.3c-9.1,9.1-21.6,14.7-35.3,14.7c-27.5,0-50-22.5-50-50 c0-13.8,5.6-26.3,14.7-35.3c9.1-9.1,21.6-14.7,35.3-14.7s26.3,5.6,35.3,14.7C294.4,223.8,300,236.3,300,250z" fill="rgb(33,91,233)"></path><path style="box-sizing: border-box;" d="M123,250c0,13.8-5.6,26.3-14.7,35.3C99.3,294.4,86.8,300,73,300H0V150c0,13.8,5.6,26.3,14.7,35.3 c9,9,21.5,14.7,35.3,14.7h23C100.5,200,123,222.5,123,250z" fill="rgb(33,91,233)"></path><path style="box-sizing: border-box;" d="M244,50c0,13.8-5.6,26.3-14.7,35.3c-9.1,9.1-21.6,14.7-35.3,14.7H50c-27.6,0-50,22.4-50,50V0h194 C221.5,0,244,22.5,244,50z" fill="rgb(33,91,233)"></path><path style="box-sizing: border-box;" d="M300,250c0,13.8-5.6,26.3-14.7,35.3c-9.1,9.1-21.6,14.7-35.3,14.7c-27.5,0-50-22.5-50-50 c0-13.8,5.6-26.3,14.7-35.3c9.1-9.1,21.6-14.7,35.3-14.7s26.3,5.6,35.3,14.7C294.4,223.8,300,236.3,300,250z" fill="rgb(33,91,233)"></path></svg></section></section></section></section></section></section></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="box-sizing: border-box;"><section style="line-height: 2;letter-spacing: 1.5px;box-sizing: border-box;"><p style="white-space: normal;box-sizing: border-box;"><span style="color: rgb(95, 156, 239);box-sizing: border-box;"><strong style="box-sizing: border-box;">几乎所有的体育项目都有其潜在的风险，篮球运动更不例外。</strong></span>职业篮球运动员在训练和比赛中的伤病，可能引发难以弥补的运动失能伤害，存在短期甚至永远无法重返赛场的巨大风险。</p><p style="white-space: normal;box-sizing: border-box;"> </p><p style="white-space: normal;box-sizing: border-box;">根据美国NBA联盟对于球员商业保险的强制性规定，<span style="color: rgb(95, 156, 239);box-sizing: border-box;"><strong style="box-sizing: border-box;">每个赛季，每个球队必须为年薪最高的5人因伤病风险向商业保险公司投保，一旦被保险的球员受伤，连续41场比赛无法上场，保险公司必须支付该球员原薪酬的80%。</strong></span><br style="box-sizing: border-box;"> <br style="box-sizing: border-box;"> </p><p style="white-space: normal;box-sizing: border-box;">以姚明为例。在休斯顿火箭队期间，成熟的商业保险制度让姚明尽管伤残不能出赛，也未能对其生活产生太大影响。自2009年开始他便一直伤病不断，但其<span style="color: rgb(95, 156, 239);box-sizing: border-box;"><strong style="box-sizing: border-box;">通过商业保险累计获得的保险赔付金高达1124万美元。</strong></span></p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"> NBA的伤残保险载誉已久，主要是为运动员在训练或比赛过程中发生的运动伤害或致残事件提供保障的保险。保障范围一般涵盖短期或者永久损伤给运动员及球队带来的损失，以及运动员在加盟球队之前的旧伤可能带来的经济损失。</p><p style="white-space: normal;box-sizing: border-box;"> </p><p style="white-space: normal;box-sizing: border-box;">这不仅保证了NBA球员的薪水稳定，不致因伤病受到影响，同时，也分担了球队的风险，为球队在可接受的伤病范围内，以合理的工资追逐想要的球员。</p><p style="white-space: normal;box-sizing: border-box;"> </p><p style="white-space: normal;box-sizing: border-box;">反观国内，由于体育保险尚处于起步阶段，对于职业体育失能收入保险的研究严重不足，导致保险公司也迟迟未能推出类似产品。由于缺乏相应产品，据CBA球员赵睿介绍，在这之前，俱乐部一般只会给球员上意外伤害险，有些球员也会自己购买额外的商业保险和医疗险，但是整体没有一个统一的规范和标准，也没有真正意义上的职业体育失能收入险，导致球员在因伤停赛期间的收入得不到有力保障。</p><p style="white-space: normal;box-sizing: border-box;"> </p><p style="white-space: normal;box-sizing: border-box;">正是为了满足CBA参与各方的最大关切所在，结合CBA实际情况，中国人寿量身打造了CBA球员合同保障险。</p><p style="white-space: normal;box-sizing: border-box;"> </p><p style="white-space: normal;box-sizing: border-box;">据介绍，自2019-2020赛季CBA联赛开始，已经签署了标准版《国内球员聘用合同》的CBA联赛注册球员，在训练或比赛过程中生病、受伤，不能继续征战球场，中国人寿将按照球员标准版合同工资，按月给予约定金额赔付，通过合理的风险转移，让球员获得工资保障，俱乐部免除后顾之忧。</p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="text-align: center;margin: 10px 0% 20px;box-sizing: border-box;"><section style="display: inline-block;min-width: 10%;max-width: 100%;vertical-align: top;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="text-align: left;margin-right: 0%;margin-bottom: -22px;margin-left: 0%;transform: translate3d(1px, 0px, 0px);box-sizing: border-box;"><section style="display: inline-block;width: 70px;height: 50px;vertical-align: top;overflow: hidden;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="text-align: center;margin-right: 0%;margin-left: 0%;box-sizing: border-box;"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><img class="raw-image" data-ratio="0.6688103" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaNjLObicsY9ibLfHt7rZ1h2A4fzficup2lMvIOwBoJlJqR1hBq3g5RiclIOtOlcMzibcbI02cKbU6iar1Q0n62oCJic4Q%2F640%3Fwx_fmt%3Dpng" data-type="png" data-w="311" style="vertical-align: middle;box-sizing: border-box;"></section></section></section></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="box-sizing: border-box;"><section style="display: inline-block;width: 100%;vertical-align: top;border-width: 0px;border-radius: 100px 0px 0px 100px;border-style: none;border-color: rgb(62, 62, 62);padding-right: 45px;padding-left: 35px;background-image: linear-gradient(315deg, rgb(33, 91, 233) 33%, rgb(129, 231, 253) 100%);box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="transform: translate3d(1px, 0px, 0px);-webkit-transform: translate3d(1px, 0px, 0px);-moz-transform: translate3d(1px, 0px, 0px);-o-transform: translate3d(1px, 0px, 0px);margin: 10px 0%;box-sizing: border-box;"><section style="color: rgb(255, 255, 255);line-height: 1;letter-spacing: 2px;box-sizing: border-box;"><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;">除了眼前的比赛</strong></p><p style="box-sizing: border-box;"><br></p><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;">保险做你坚定的后方</strong></p></section></section></section></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="text-align: right;margin-top: -35px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;"><section style="display: inline-block;width: 35px;height: 35px;vertical-align: top;overflow: hidden;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="text-align: center;margin-right: 0%;margin-left: 0%;box-sizing: border-box;"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><svg class="svg" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 300 300" style="vertical-align: middle;max-width: 100%;box-sizing: border-box;" xml:space="preserve" width="100%"><path style="box-sizing: border-box;" d="M285.3,285.3c9.1-9.1,14.7-21.6,14.7-35.3v50h-50C263.8,300,276.3,294.4,285.3,285.3z" fill="rgb(255, 255, 255)"></path><path style="box-sizing: border-box;" d="M300,0v250c0-13.8-5.6-26.3-14.7-35.3c-9.1-9.1-21.6-14.7-35.3-14.7s-26.3,5.6-35.3,14.7 c-9.1,9.1-14.7,21.6-14.7,35.3c0,27.5,22.5,50,50,50H73c13.8,0,26.3-5.6,35.3-14.7c9.1-9.1,14.7-21.6,14.7-35.3 c0-27.5-22.5-50-50-50H50c-13.8,0-26.3-5.6-35.3-14.7C5.6,176.3,0,163.8,0,150c0-27.6,22.4-50,50-50h144c13.8,0,26.3-5.6,35.3-14.7 C238.4,76.3,244,63.8,244,50c0-27.5-22.5-50-50-50H300z" fill="rgb(255, 255, 255)"></path><path style="box-sizing: border-box;" d="M300,250c0,13.8-5.6,26.3-14.7,35.3c-9.1,9.1-21.6,14.7-35.3,14.7c-27.5,0-50-22.5-50-50 c0-13.8,5.6-26.3,14.7-35.3c9.1-9.1,21.6-14.7,35.3-14.7s26.3,5.6,35.3,14.7C294.4,223.8,300,236.3,300,250z" fill="rgb(33,91,233)"></path><path style="box-sizing: border-box;" d="M123,250c0,13.8-5.6,26.3-14.7,35.3C99.3,294.4,86.8,300,73,300H0V150c0,13.8,5.6,26.3,14.7,35.3 c9,9,21.5,14.7,35.3,14.7h23C100.5,200,123,222.5,123,250z" fill="rgb(33,91,233)"></path><path style="box-sizing: border-box;" d="M244,50c0,13.8-5.6,26.3-14.7,35.3c-9.1,9.1-21.6,14.7-35.3,14.7H50c-27.6,0-50,22.4-50,50V0h194 C221.5,0,244,22.5,244,50z" fill="rgb(33,91,233)"></path><path style="box-sizing: border-box;" d="M300,250c0,13.8-5.6,26.3-14.7,35.3c-9.1,9.1-21.6,14.7-35.3,14.7c-27.5,0-50-22.5-50-50 c0-13.8,5.6-26.3,14.7-35.3c9.1-9.1,21.6-14.7,35.3-14.7s26.3,5.6,35.3,14.7C294.4,223.8,300,236.3,300,250z" fill="rgb(33,91,233)"></path></svg></section></section></section></section></section></section></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="box-sizing: border-box;"><section style="line-height: 2;letter-spacing: 1.5px;box-sizing: border-box;"><p style="white-space: normal;box-sizing: border-box;">2014年，中国网球选手李娜宣布退役，在十几年的网球职业生涯中，李娜曾屡屡遭受伤病侵袭，而保险，一直是李娜的坚定后方。李娜表示，运动员常常会受到伤病的困扰，有医疗保险就可以规避一定的风险。而且去国外打比赛办理签证时，都会要求有保险。“对我来说，如果没有保险，几乎是寸步难行。”</p><p style="white-space: normal;box-sizing: border-box;"> </p><p style="white-space: normal;box-sizing: border-box;">运动员是高危职业，购买巨额保险的体坛名将不在少数。罗纳尔多、贝克汉姆等巨星都为自己身体重要部位购买了天价保险。“飞人”刘翔也曾获赠上亿元的意外伤害险。</p><p style="white-space: normal;box-sizing: border-box;"> </p><p style="white-space: normal;box-sizing: border-box;"><span style="color: rgb(95, 156, 239);box-sizing: border-box;"><strong style="box-sizing: border-box;">然而刘翔在成为巨星之前，作为一名普通的国家队队员，只享有优秀运动员伤残互助保险，最高等级的保额仅30万元人民币。</strong></span></p><p style="white-space: normal;box-sizing: border-box;"> </p><p style="white-space: normal;box-sizing: border-box;"><span style="color: rgb(0, 0, 0);box-sizing: border-box;">能够成为明星的运动员毕竟是凤毛麟角，对于大量普通运动员，发生运动伤残后的保障程度更是非常之低。</span>普通运动员面临的风险既包括伤病所致的医疗问题，也包括职业生涯结束后的再就业和养老问题，还包括意外伤害引发的残疾或身故保障。</p><p style="white-space: normal;box-sizing: border-box;"> </p><p style="white-space: normal;box-sizing: border-box;">据了解，<span style="color: rgb(95, 156, 239);box-sizing: border-box;"><strong style="box-sizing: border-box;">NBA球员工会为所有在NBA效力至少3个赛季的退役球员设立了医疗保险基金</strong></span>，具体的方案分为3-6年、7-9年、10年及以上的NBA球龄退役球员。例如对于3-6年NBA球龄的退役球员，如果没有合适的医疗保险，球员工会将为其提供一份方案，能够按照一定比例，覆盖该球员在医疗、住院以及医药等方面的支出。其他的类别也分别有不同的保障方案。</p><p style="white-space: normal;box-sizing: border-box;"> </p><p style="white-space: normal;box-sizing: border-box;">此外，<span style="color: rgb(95, 156, 239);box-sizing: border-box;"><strong style="box-sizing: border-box;">NBA球员退役后，还有较为完善的养老保险保障。</strong></span>NBA 养老金保险制度建立已久，适用范围甚至包括 1965 年前在 NBA 前身 BAA 效力过的老兵。在 NBA 效力三年及以上的球员，都可以参与养老保险。</p><p style="white-space: normal;box-sizing: border-box;"> </p><p style="white-space: normal;box-sizing: border-box;">反观国内，保险业与各类体育活动也多有合作，但基本都停留在为各种赛事提供赞助，或意外险、意外医疗险等，专门的体育保险少之又少。导致很多运动员一旦发生伤病，只能获得很少的补偿，不能满足实际需求。</p><p style="white-space: normal;box-sizing: border-box;"> </p><p style="white-space: normal;box-sizing: border-box;">2019年1月，国家体育总局联合国家发改委发布《进一步促进体育消费的行动计划2019-2020年）》，其中明确表示，<span style="color: rgb(95, 156, 239);box-sizing: border-box;"><strong style="box-sizing: border-box;">鼓励保险业助力体育产业，特别强调要积极培育体育保险市场。 </strong></span></p><p style="white-space: normal;box-sizing: border-box;"> </p><p style="white-space: normal;box-sizing: border-box;">我国的体育保险尚有巨大发展空间。各保险公司未来是否应该着手在体育这个细分领域发现更多机遇，答案可谓是不言而喻了。</p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;">体育保险，对于我们普通人而言，是一份以防万一的保障，而对于职业运动员而言，一份有针对性的体育保险，是他们能够全力在赛场上拼杀的最基本保证，是他们坚定的后方。</p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="box-sizing: border-box;"><section style="text-align: right;box-sizing: border-box;"><p style="text-align: left;box-sizing: border-box;"><span style="font-size: 14px;color: rgb(160, 160, 160);box-sizing: border-box;">综合自《NBA为什么吸引易建联？除了高水平的竞争，还有保险！！！》《博尔特尚自问有无保险，中国普通运动员却一纸保单难求。保险，还能为体育做什么？》</span></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">编辑 房文彬</p><p style="text-align: center; box-sizing: border-box;"><img class="" data-copyright="0" data-ratio="0.4479717813051146" data-s="300,640" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaNjLObicsY9ic4qqZqKsicEJhibYXpYspAyVjASFsofwfeJnbaafYBKNE250NC1zDMLE5ibOBNHVgQ22oT2DKQvb3OQ%2F640%3Fwx_fmt%3Djpeg" data-type="jpeg" data-w="567" style="font-size: 14px;"></p></section></section></section></section><p><br></p>
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