刘翔受伤，高额医疗费由上海体育局买单，在从伦敦回到北京后，他在国家体育总局得到的保险理赔金额和普通国家队队员并无区别，据说只有6000元。高额医疗费与区区几千元的保险理赔金放在一起，显得是那么不相称。

Liu xiang wounded，High medical treatment pay by the Shanghai sports bureau，From London back to Beijing，He in the state general administration of sport get insurance claims amount and common national team players and no difference，It is said that only 6000 yuan。High medical expenses and only several thousand yuan insurance claims put together，Appear is so don't match。

　　保险理赔金少得可怜，但刘翔实际上已经拿到最高等级的赔付。据了解，按照国家体育总局优秀运动员伤残互助保险暂行办法的规定，保险理赔标准共分为十二级，刘翔的伤情适用于第十级，即肌肉、肌腱、韧带断裂，无功能障碍。该级别赔付金额为3000元。根据规定，曾在世界三大赛事(奥运会、世锦赛、世界杯)中获得金牌的运动员，在比赛期间发生运动意外伤害事故，在计算和给付保险金时，运动意外伤害保险金额按双倍计。作为世界冠军，刘翔在理赔时可以获得双倍赔偿，也就是说，他的赔偿金额为6000元。

Insurance claims gold a little，But liu xiang has actually get the highest levels of compensation。It is understood，According to the state general administration of sport elite athletes disability mutual insurance provisional regulations，Insurance claims standard is divided into ten level 2，Liu xiang's injury is applicable to the tenth level，Namely muscle、tendons、ligament，No dysfunction。This level settlement amount of $3000。According to the regulation，Once in the world three big events(The Olympic Games、World championships、World Cup)A gold medal athlete，During the competition sports accident harm accident happened，In the calculation and payment of the insurance benefits，Sports accident injury insurance amount according to the double meter。As a world champion，Liu xiang in the claims can be double indemnity，That is，His indemnity for 6000 yuan。

　　不比不知道，一比吓一跳。据英国媒体披露，贝克汉姆曾为自己投了运动史上巨额的个人保险——1亿英镑的保额，保险项目包括全身上下每个部位。小贝曾因一次轻微的韧带拉伤缺席4场比赛，结果他从保险公司获得了近百万美元的赔偿金。大洋彼岸，“小皇帝”詹姆斯给自己的双手投保，每根手指保额为1000万美元。

Than don't know，One to frighten a。According to the British media disclosure，Beckham had for his threw movement history huge personal insurance - 100 million pounds coverage，Insurance project includes every part of your body。David Beckham was because of a slight ligament injury miss four games，The results from the insurance company won nearly $in compensation。Ocean the other shore，“Little emperors”James to their own hands insured，Each finger coverage for 10 million dollars。

　　桑兰在美国友好运动会上摔伤之后，体育保险第一次受到国人关注。友好运动会为桑兰提供了1000万美元的高额医疗保险，这不仅使她得到了最好的治疗，而且也让我们第一次知道了体育保险的作用。事实上，“翔之队”和教练孙海平早在2006年就想为刘翔的双腿投保，但是最终没能如愿，最后是某保险公司送单1亿元，2008年北京奥运会刘翔伤退后，并没有要求赔付。

Sang LAN in the United States friendly sports meeting after the fall，The sports insurance for the first time by a national concern。Friendly games for sang LAN offered 10 million dollars of the high cost of health insurance，This not only make she got the best treatment，And also let us know for the first time that the sports insurance role。In fact，“Xiang's team”And coach sun haiping has as early as 2006 want to liu xiang legs insured，But in the end can't fulfill a wish，The last is a insurance company send single 100 million yuan，The 2008 Beijing Olympic Games, liu xiang turned back injury，And no claims。

　　没办法，在中国，如果某运动员想像贝克汉姆那样为自己的右腿、像罗纳尔多那样为自己的膝盖投保，对不起，没有，中国暂时没有这样的险种。

Can't，In China，If a player imagine that Beckham for his right leg、Like ronaldo that for his knee against，I'm sorry，no，China temporarily no such risk。

　　据保险业人士介绍，这属于专业技能保险。保险业要盈利，靠的是“大数法则”，投保的人多了，风险也就分担了。在中国，体育保险尚处于起步阶段，大家对于体育保险的认识不深，购买体育保险产品的欲望不强，针对运动员的体育专业技能保险显然不适用于“大数法则”，所以一直没有推出。

According to insurance personage introduction，It belongs to the professional skills insurance。Insurance to profit，by“Law of large number”，The insurance，Risk is Shared。In China，The sports insurance is still in its beginning stages，Everybody for the understanding of the sports insurance not deep，Buy sports insurance products desire is not strong，According to the athlete's sports professional skills insurance obviously does not apply“Law of large number”，So there has been no launch。

　　虽然去年中国女网运动员李娜与国内某保险公司签约，后者第一次在国内推出了专门针对运动员的全套意外伤害保险，但投保人仅限李娜一人，等于是请李娜做的广告，和真正的“体育保险”并无实质性联系。

Although last names Chinese athletes li na and a domestic insurance company signed a contract，The latter, for the first time in domestic launched specifically for the athlete's complete accident injury insurance，But the applicant only for li na one，So please li na do advertising，And real“Sports insurance”There is no substantive contact。

　　而在国外，保险已成为运动领域不可或缺的组成部分，其成熟的运动伤残体制也保证了运动员无后顾之忧。以NBA为例，每支球队必须根据劳资协议，为队中薪水前5名的球员购买短期丧失劳动能力保险，各队必须向保险公司支付不菲的保费。姚明从2009年开始一直伤病不断，而保险公司为此累计赔付了数千万美元。

While in a foreign country，Insurance has become an indispensable part of the sports field，The mature motor disability system also ensure the athletes do not have trouble back at home。In NBA as an example，Each team must according to the labor agreement，For the team salary top five players to buy short-term lose labor ability insurance，Teams must to insurance company pay for expensive premium。Yao Ming beginning from 2009 has been constantly injury，And the insurance company paid for this accumulated tens of millions of dollars。

　　在国内保险行业，运动伤残险几乎是个空白，保险公司给运动员提供的保险业务与普通客户没有太大区别。所以刘翔的双腿值多少钱？现在还没有答案。但刘翔肯定不用为他的双腿治疗和康复发愁，可对普通运动员来说，或许就不是如此。如何保障普通运动员？这应该比刘翔的双腿值多少钱更重要。

In the domestic insurance industry，Sports disability insurance is almost a blank，Insurance company to provide athletes of the insurance business and general customers do not have too big difference。So liu xiang legs value how many money？Still no answer。But liu xiang sure don't for his legs treatment and rehabilitation worry，But for ordinary athletes，Perhaps is not so。How to keep the ordinary player？This should be better than liu xiang legs value how many money is more important。

　　(黄 岩)

(Yellow rock)