多重风险威胁旅行安全公民保险意识增强 Multiple risk travel security threat citizens insurance consciousness enhancement

　　国家旅游局副局长祝善忠指出，近年来，我国旅游业发展迅速，旅游过程中的风险发生率也呈现明显上升趋势，旅游安全监管和服务难度加大，我国旅游市场风险呈现出三大特征。

Deputy director of the national tourism administration ZhuShanZhong said，In recent years，China's tourism industry has developed rapidly，In the process of tourism rate risk is obviously a rising trend，Travel security supervision and increased difficulties of service，Our country tourism market risk is showing three big features。

　　首先，旅游规模迅速扩大增加了发生旅游事故的概率。我国国内旅游、入境旅游、出境旅游规模连续多年大幅增长。最新统计数据显示，2012年一季度，我国国内旅游人数达8.75亿人次，同比增长15.1%。同时，我国已成为全球第三大入境旅游接待国，亚洲最大的出境旅游客源国和全球最大的国内旅游市场之一，出境游风险日益增长。

first，Tourism has expanded rapidly increased the probability of accident happened tourism。Our domestic tourism、Entry tourism、Outbound tourism scale for many years a sharp increase。The latest statistics show，In the first quarter in 2012，The number of domestic tourism in China to 875 million people，Year-on-year growth of 15.1%。At the same time，China has become the third largest JieDaiGuo entry tourism，Asia's largest outbound tourism and the world's largest number of domestic tourism market one，Outbound growing risk。

　　其次，旅游业关联度高的特点决定了其受外在安全影响较大。旅游业产业链长、涉及环节多、抗风险能力弱，自然灾害、事故灾难、公共卫生事件、社会安全事件等都可能给旅游者生命财产造成重大损害，使旅游业遭受重大挫折。

second，Tourism correlation degree high characteristic decided its external security by big effect。Tourism industry chain long、Involving links、The ability to resist risk weak，Natural disasters、Accident disaster、The public health event、Social security incident may to tourists life causes serious damage property，Make tourism to suffer significant setback。

　　第三，旅游者出游方式日趋多元，安全监管和服务难度加大。目前，我国游客正朝散客化、个性化发展，越来越多的游客选择自驾游、自由行等方式出游。此外，登山旅游、邮轮旅游、深度旅游等旅游产品以及高风险旅游项目日渐兴盛，旅游安全风险不断增加。

The third，Tourists travel more diverse ways，Safety supervision and increased difficulties of service。At present，Our country towards the tourists are divided、Individuation development，More and more tourists ZiJiaYou choice、Free travel way of traveling。In addition，Mountaineering tourism、Cruise travel、Depth tourism and other tour products and high risk traveling project is thriving，Travel security risk increasing。

　　专家分析，当前我国旅游产业正处于旅游危险频发期，降低旅游市场风险将给旅游业带来更多发展空间。近年来，外出旅游日渐成为国民休闲度假的主要选择，我国旅游者也越来越认识到旅游保险的重要性。

Expert analysis，The current our country tourism industry is in danger of frequent travel，Reducing the risk for tourism industry tourism market will bring more development space。In recent years，Traveling is becoming the main national leisure vacation choice，China is also more and more tourists to know the importance of travel insurance。

　　中国社科院旅游研究中心副主任刘德谦表示，中国社科院近期一项抽样调查显示，在常规险种认识方面，52.9%的游客了解“旅行社责任险”，50.2%的游客了解“旅游意外险”，42.2%的游客了解乘坐飞机的时候可以自购航空保险。调查还显示，对于旅客最常购买的旅游保险，61.1%的游客选择购买旅游意外险，30.3%的游客选择购买航空保险，13.8%的游客购买过出境意外险。上述数据相较于之前的同类调查都有所提升。

China academy of vice director of tourism research center LiuDeQian said，China academy of a recent sampling survey，In the regular danger is planted the understanding，52.9% of the visitors understand“Travel agency liability insurance”，50.2% of the visitors understand“Tourism casualty”，42.2% of the visitors understand on a plane of the time can buy insurance from the air。The survey also showed，The most often buy any passenger travel insurance，61.1% of visitors choose to buy the travel insurance，30.3% of visitors choose to buy the aviation insurance，13.8% of visitors to buy a casualty exit。The data were compared with the similar before the survey is to improve。

　　“过去主要是旅行社向游客推荐保险产品，但现在越来越多的游客在报名时会主动问起保险，咨询有什么保险、可不可以在网上购买等事项，游客的保险意识正在提高。”中国人寿保险公司团体业务部副总经理贾广涛介绍说。

“The past is mainly to the tourists travel agency recommended insurance products，But now more and more tourists when asked about the initiative in insurance，Consulting what insurance、Can buy on the net and etc，Tourists insurance consciousness is improving。”China life insurance company business groups of vise general manager JiaGuangTao introduced said。

　　旅游保险服务亟须完善销售渠道过于单一 Travel insurance service is perfect sales channel too onefold

　　由中国旅游报和搜狐网发起的“旅游保险网络调查”显示，旅游保险服务仍有完善空间。超过45%的受访者表示购买旅游保险“理赔过程繁琐”，36%的人认为“旅游保险产品不够丰富”，此外，近14%的受访者认为“保险产品价格不合理”。

By China travel report and sohu nets launched“Travel insurance network survey”shows，Travel insurance service still has perfect space。More than 45% of the respondents said buying travel insurance“Claims process trival”，36% of the people think“Travel insurance product is not abundant enough”，In addition，Nearly 14% of people think“Insurance the product price is not reasonable”。

　　调查还显示，多数游客购买旅游保险的主要渠道是旅行社产品中自带的保险，选择余地较小。在回答“你一般通过何种途径购买旅游保险产品”的问题时，超过40%的受访者选择“旅游合同中自带”的保险，近16%的受访者选择“通过旅行社”购买。

The survey also showed，Most people buy travel insurance is the main channel of the travel agency's products to own insurance，Choice smaller。In answer to“In what way do you usually buy travel insurance products”problems，More than 40% of those surveyed chose“Tourism in the contract cabin”insurance，Nearly 16% of those surveyed chose“Through travel agency”buy。

　　中国保监会人身保险监管部制度处副处长商敬国认为，虽然消费者普遍认识到了旅游保险的重要性，但是在实际购买中还是会遇到各种问题，心存疑虑。他指出，拓宽保险销售渠道，推广贴近市场需求的保险产品，进一步完善理赔服务标准，切实保护消费者的合法权益，已经成为当下旅游企业迫切需要履行的责任。

The circ person insurance JianGuanBu system place, deputy director of business and countries think，Although consumers general recognition of the importance of the travel insurance，But in actual purchase or will encounter all sorts of problems，doubt。He pointed out that，Broaden insurance sales channels，Close to the promotion of the market demand of insurance products，To further improve the claims service standards，To protect consumers' legal rights and interests，Has become the urgent need of the tourism enterprise performance responsibility。

　　祝善忠认为，与不断增长的旅游市场需求相比，与旅游保险发达的国家相比，中国旅游保险市场还存在一些差距。一方面旅游者和旅游经营者对旅游保险知识认识不充分，除国家强制的旅行社责任险外，旅游意外险、航空险等非责任险类的旅游保险投保率还不高；另一方面，旅游保险产品还不够丰富、细化，服务和保障水平还有待提高。

ZhuShanZhong think，And the growing tourism market than demand，And travel insurance developed countries，China travel insurance market still has some gaps。On the one hand tourists and tourism operators to travel insurance knowledge know not sufficiently，In addition to the compulsory national travel agency the liability insurance，Tourism casualty、Aviation damages the liability of the insured of travel insurance rate is not high；On the other hand，Travel insurance product is rich enough、refining，Service and security level needs to improve。

　　在2012年旅游保险宣传周启动仪式上，中国旅游协会和中国保险行业协会向旅游企业和保险公司联合发出了加强旅行社与保险公司合作、倡导诚信经营、完善旅游保险产品体系等倡议，倡导企业结合旅游行业经营风险和管理水平，科学厘定保险费率，加强企业合作，完善和优化在线购买等保险投保方式，为旅游者提供便利的保险咨询和产品购买等服务。

In 2012 travel insurance publicity week start ceremony，China's tourism association and China insurance industry association travel to the enterprise and insurance companies to a travel agent and insurance company strengthen cooperation、Advocate the good faith management、Perfect travel insurance product system initiative，Advocating enterprise combining tourism industry management risk and management level，Science to determine the insurance rate，To strengthen enterprise cooperation，Improving and optimizing the online purchase other insurance against way，For tourists to the convenience offered insurance consulting and product purchases and other services。

　　中国保监会副主席陈文辉指出，游客出险后，保险机构的理赔服务应规范、及时，做到不拖赔、不惜赔，在紧急援助、风险管理、医疗给付等方面，为游客提供全方位的服务。此外，保险公司应与旅行社加强合作，满足游客多层次、多样化的保险需求。同时，保险公司应积极发展电话销售、网络销售等旅游保险销售新渠道、新模式，打破过去由旅行社捆绑销售单一保险的传统模式。

China insurance regulatory commission vice chairman of the U.K. said，Tourists after be or get out of danger，Insurance agency claims service should be regulated、timely，Do not drag along to compensate、At compensate，In emergency aid、Risk management、Medical treatment gives pay, etc，To provide visitors with a full range of services。In addition，Insurance company shall strengthen cooperation and the travel service，Meet visitor levels、Diversified insurance requirements。At the same time，The insurance company shall be positive development phone sales、Network sales and other travel insurance sales new channels、The new model，Break the past by travel agency the bundling selling single insurance traditional mode。

加强旅保合作完善保险监管体系 Strengthen the cooperation a perfect insurance supervision system

　　保险专家指出，保险机构和旅游企业还要加强合作，充分借鉴国外的先进经验，推动我国旅游保险市场的不断成熟和完善。

Insurance experts point out that，Insurance institutions and tourism enterprise and strengthen cooperation，Fully learn from foreign advanced experience of，Promoting our country's travel insurance market continues to mature and perfect。

　　记者了解到，目前部分国内保险企业已经开始尝试与国际企业展开合作。2012年是中俄国际旅游年，在中国国家旅游局和俄罗斯联邦旅游署的主持下，中国人寿与俄罗斯军事保险公司签订中俄两国旅游保险合作项目。根据该项目的保障，两国游客在本国购买国际救援保险后，如在对方国家遭受意外，只要在24小时内拨打母语保险服务热线，即可得到两国为对方游客提供的紧急救援、医疗服务、转运回国及旅游援助等系列保险服务。

The reporter understands，Currently, some domestic insurance enterprise have tried to cooperate with international enterprise。2012 is the international tourism year between China and Russia，In the China national tourism administration and the Russian federation tourism under the chairmanship of the department，China life insurance company with the Russian military signed between the two countries travel insurance programs。According to the project security，The two countries in their buy international rescue tourists after insurance，As in the other countries suffer from an accident，As long as in the 24 hours of insurance service hotline call mother tongue，The two countries can be made for each other of emergency customers、Medical service、Transport and travel back to aid, series insurance service。

　　专家分析指出，进一步发挥旅游保险有效控制旅游市场风险的作用，需要从三个方面入手。首先，要提高社会的旅游风险意识。中央财经大学保险学院院长郝演苏认为，目前人们对旅游保险的认知度和国外相比仍有一定差距，不少游客购买保险时盲目追求低价，有的游客在签订旅游保险协议前并不会仔细阅读相关规定，一旦出险，很容易因理解差异而引发纠纷。因此，应加大对旅游保险的宣传、讲解力度，提醒游客防患于未然。

Expert analysis points out that，Further play travel insurance effective control of the tourism market risk role，Need from three aspects。first，To improve social tourism risk awareness。The central university of finance and economics, dean of the college of insurance in Sue think hao，At present people to travel insurance awareness and there is still a certain gap compared with foreign countries，Many visitors to buy insurance blind pursue low price，Some tourists in a travel insurance agreement will not read carefully before the relevant regulations，Once be or get out of danger，Very easy to understand differences caused by disputes。so，Should strengthen the propaganda of travel insurance、Efforts to explain，Remind visitors to nip in the bud。

　　第二，提高保险机构的服务和管理水平。现行的旅游保险销售由于渠道较窄，容易让游客产生抵触情绪，认为是保险的额外消费，而且旅游保险产品同质化现象较为普遍，游客选择余地少。因此，应该加强相关监管，缓解理赔难现象，进而提升游客和旅行社对保险公司的信任度。

The second，Improve the insurance agency service and management level。The current travel insurance sales due to a narrow channel，Easy to let visitors produce feelings，Think is the additional insurance consumption，And travel insurance product homogeneityphenomenon more common，Tourists less choice。so，Should strengthen the relevant supervision，Ease claims difficult phenomenon，Promote tourists and travel agency of insurance company trust。

　　第三，建立更完善的监管体系。郝演苏指出，目前我国对于保险品种定价、理赔责任界定划分等是否合理，仍缺乏有效的评判机制。从政策方面看，有关部门应继续完善旅游保险相关的法律法规，使相关监管更具针对性。 (来源：经济参考报)

The third，Build more perfect regulation system。Hao points out that in Sue，At present our country for insurance breed pricing、Claims responsibility define such as division is reasonable，Still the lack of effective evaluation mechanism。From the policy to see，Agencies should continue to improve the travel insurance related laws and regulations，Make the relevant supervisory more targeted。 (source：Economic reference quote)