Abstract: The rapid development of sports industry will inevitably result in the boost of sport insurance, the importance of which has been self-testified in the previous cases of injuries and accidents. The paper analyzes Liu Xiang’s failure to claim of 100-million policy duo to his quit in the game at the Beijing Olympic Games, thus exposing the profound contradiction in athletes’ insurance structures. The paper further analyzes the basic structures of athletes’ insurance and its guarantee for competitive sports. In the context of the new policy of the Chinese government, the paper discusses how to incorporate the classic insurance examples at home and abroad into Chinese competitive sports insurance so as to provide references for the sound system of athletes’ insurance.

Key words: insurance structure, path choice, strategy realization, athlete safeguard