This paper makes a brief review on insurance claim caused by LIU Xiang's withdraw-al in Beijng Olympic Games ,and discusses the social impact of events behind . The result shows that the cause of insurance to refuse to compensate is domestic professional sports insur-ance breed missing ,and the structural imbalance of insurance coverage .On this basis ,this pa-per systematically analyzes the athlete insurance basic structure and the restriction factor ,fur-ther clarifies the current main problems of the athlete insurance and its obstacles ,and puts for-ward the optimization of the structure of the athlete insurance path and way ,in order to mini-mize the athlete career risk and loss .%对北京奥运会刘翔退赛保险理赔事件进行了简要回顾，探讨了事件背后产生的社会影响，认为导致保险弃赔的原因是国内专业体育保险品种缺失以及保险结构失衡。在此基础上，系统分析了我国运动员保险基本结构及其制约因素，明晰了当前运动员保险存在的主要问题及其障碍。提出了优化运动员保险结构的路径与方式，以期最大限度降低运动员职业风险及其损失。
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