The author elaborates that the student ' s collection obligatory rules should be enforced . the government should make the bid and business insurance organizations should bring it into effect . the professional administration organization should be established and standard insurance contract should be constituted for the insurance company ' s reference 并提出具体法律建议，以期实行学生团体保险的强制制度，由政府组织招标，商业性保险机构操作，成立专门的监督机构，并出台标准保险合同对保险公司进行指导。
