旅途意外频频发生游客索赔节节败退 The journey accident occurred frequently visitors prevailing in the claim

　　今年暑假，在重庆一所高校就职的强老师与朋友一行20多人一道去重庆市阿依河风景区漂流，由于水流湍急，在漂流的过程中，强老师乘坐的船多次被冲翻，他和同行的游客不仅全身多处划伤，有的还因头部受到撞击住院。“漂流当天，阿依河景区并未出现任何危险警示标识，售票处的电子显示屏显示当日可以漂流。”强老师告诉记者，景区没有提供防护头盔，救生员数量也不足。

This summer，In chongqing in the universities of strong teachers and friends a line of more than 20 people go to chongqing, in accordance with the river scenic spot drift，Due to the fast water，In the process of drift，Strong teacher the ship was washed many times over，He and fellow tourists not only in body scratch，Some still hit to a head for hospital。“Drift day，In accordance with the river scenic area, did not appear any dangerous warning marks，The booking office of the electronic screen shows that day can drift。”Strong teacher told reporters，Scenic area did not provide protective helmet，The lifeguard quantity also insufficient。

　　由于是通过网络购买的景区门票，强老师并不清楚门票中是否含有保险费用。他们一行人向景区索赔时却无人理睬。为了及时治疗创口，大家只得悻悻离去。

Because is through the network to buy tickets for the scenic spot，Strong teacher is not clear whether it contains the cost of the insurance。They a line to the scenic spot claims but there was none to ignore。In order to timely treatment of wounds，We had to walk away。

　　近期，记者不断收到游客关于在景区受伤难以索赔的投诉。他们和强老师一样，申请索赔时，或在人生地不熟的景区遭遇管理人员的冷遇；或因为假期有限，耗不起赔付需要的时间，只能吃“哑巴亏”。参加境外游的游客在要求索赔时，尤其尴尬。重庆市旅游局介绍，该局接到过多起境外乘坐游艇导致身体受伤，旅行社和当地景区推诿扯皮，不愿理赔的投诉。

recent，Reporters received visitors constantly on the injury is difficult to claim complaints。They and strong teacher，Application claims，Or are total strangers in the scenic spot management personnel with the cold shoulder；Because the holiday or limited，Loss can not afford to pay need time，Can only eat“YaBaKui”。To participate in overseas travel tourists in the claim，Especially embarrassed。Chongqing tourism bureau is introduced，The bureau received too much on overseas cruise ships to cause bodily injury，Travel agencies and local scenic spot shuffle disputes over trifles，Don't let claims complaints。

旅游保险意识薄弱，游客维权急需“防患于未然” Travel insurance consciousness weak，Tourists rights are in urgent need of“Nip in the bud”

　　近年来，越来越多的游客开始重视维权，旅途遭遇意外时投诉和索赔意识日渐增强。但出行前理清保险细节、和旅行社签订明确保险内容防患于未然的游客并不多。

In recent years，More and more tourists started to attach importance to rights，The journey when accidents complain and claim a growing awareness。But the trip before clear insurance details、A clear and travel insurance content nip in the bud of tourists is not much。

　　据介绍，目前我国的旅游保险主要有三种：一是旅行社责任险，由旅行社缴费，在旅行社有过错时，责任保险公司才会实施赔偿；二是旅游意外险，由旅游者自行缴费以减少出行风险；三是高风险投保，也是旅游者自行缴费。但无论是旅行社还是游客，购买旅游类保险的比例都极低。重庆市保险学会的统计数据表明，2011年重庆市旅游保险总收入不到2000万元，仅仅只占总保费的万分之六点六。投保责任保险的旅行社202家，投保率为53.3%，承保游客3000万人次，仅占游客总数的1.35%。

According to introducing，At present our country tourism insurance mainly have three：One is the travel agency liability insurance，The travel agency capture to expend，In the travel agencies have when fault，Liability insurance company will implement compensation；The second is travel accident insurance，The tourists to pay cost to reduce the risk of travel；Three are the high risk insurance，Is also the tourists to capture to expend。But whether the travel agency or visitors，Purchasing tourist class insurance rate is extremely low。Chongqing insurance institute statistics show，In 2011, chongqing tourism insurance earn less than 20 million yuan，Only of the total premium of to six point six points。Insurance liability insurance of travel agencies 202，Insurance rate was 53.3%，Cover 30 million tourists，Accounted for only 1.35% of the total number of tourists。

　　由于缺乏旅游保险业这一第三方托底，旅行社和景区往往会在游客索赔时逃避、推诿责任。重庆市旅游局执法总队工作人员张英介绍，增强事前保险意识，妥善做好出行前的保险工作比事后维权更重要。记者在采访旅游执法部门时了解到，有的游客由于拿不出有力的维权依据分清保险责任，即使的确权益受到侵害，执法部门也难以做出适当处罚。张英说，安全与应急工作的不到位是交通事故频发的重要因素，而旅游保险的滞后发展更成为旅游业健康发展的一块短板，不仅减弱了游客生命权的保障，更是游客索赔遭拒的一个重要原因。

Due to the lack of travel insurance that a third party TuoDe，A travel agency and scenic area often in tourists claims to escape、buck-passing。Chongqing tourism administration law enforcement corps staff ZhangYing is introduced，Enhance prior insurance consciousness，A proper trip before insurance work after the more important than the rights。Reporter in the interview tourism law enforcement department to know，Some visitors with a powerful rights according to distinguish insurance liability，Even if indeed rights and interests are infringed upon，Law enforcement agencies also difficult to make a proper punishment。ZhangYing said，Safety and emergency work does not reach the designated position is the frequent occurrence of traffic accidents due important factors，But the travel insurance lag development the healthy development of the tourism industry more become a piece of short plate，Not only weaken the visitors the security of the right to life，More visitors claims rejected an important reason。

必须做好“旅游保险攻略” Must be done well“Travel insurance strategy”

　　制定一份旅游攻略是不少游客在规划假期时的必要工作，而旅游监管管理部门提醒游客，要特别关注“旅游保险攻略”。

Develop a tourism strategy is a lot of tourists during the holiday in planning the necessary work，But the travel supervision management departments to remind visitors，Want special attention“Travel insurance strategy”。

　　不少景区的门票费用中，含有保险费，但并未明确标出，游客在购买门票时，可就保险费用一项提出特别咨询，以便在索赔过程中，作为依据；由旅行社缴费的旅行社责任险也是对游客人身安全的重要保护，个别旅行社节约成本并未购买，游客应在出行合同中明确保险细则，并保管好合同以备维权；在签订旅游合同时一定要慎重，要仔细阅读合同内容，尤其要注意旅程安排及违约责任。同时最好能买一份意外险，以便多一份保障。重庆市旅游局监督管理处建议，游客在报名参加旅游团时一定要选择有合法资质的旅行社报名出游。这样的旅行社信用好，相对来说更有保障。

Many scenic spot ticket cost，Contain insurance premium，But did not marked clearly，When tourists in buying the tickets，Can insurance cost a put forward special advisory，In order to claim process，As a basis for；The travel agency capture expends travel agency liability insurance is to visitors the personal safety of important protection，Individual travel agency cost saving don't buy，Visitors should be clearly in the contract to travel insurance rules，And keep the contract for rights；In a tourism contract must be careful，To read the contents of the contract，Especially attention shall be taken that the travel arrangements and liability for breach of contract。At the same time, best can buy a casualty，So that a more security。Chongqing tourism administration supervision and management Suggestions，Tourists in the sign up for the group must choose to have legal qualification travel travel agency registration。This travel agency good credit，Opposite for more security。

　　此外，旅游监管部门还特别提示游客，出门乘坐交通工具，一定要系好安全带，使用水上交通工具时，要穿好救生衣或套好救生圈。在国外乘坐旅游车时，不乘坐第一排的工作人员专座，此专座只有工作人员保险，游客乘坐发生意外得不到赔偿。

In addition，Tourism regulators also special remind visitors，Go out take traffic tools，Must fasten your seat belt，Use water traffic tool，To wear good life jacket or set of good life。In foreign countries take the coach，Don't take the first row staff seat，This seat only staff insurance，Visitors ride in accident can not get compensation。

　　对于自助游出游的人员，倡导游客购买自助游意外保险，明确保险对象、理赔细则，对各方在出游过程中的权责进行具体约定，这样才能在维权过程中有据可依。

For self-help travel personnel，Advocate tourists buy travel accident insurance，Clear insurance object、Claims rules，For all parties to travel in the process of responsibility for specific agreement，Such ability in the process of safeguarding rights according to the。