现代快报记者调查发现，由旅行社代办的“旅游意外险”确实存在很大漏洞，业内人士也认为，被截留的“黑保单”肯定存在，“当然也可能是工作太忙，偶尔漏掉了。”

Modern express reporter survey found,The travel agency to do STH for sb"Travel accident insurance"Indeed there is a big loophole,The personage inside course of study also think,Interception of"Black policy"Certainly exist,"Of course, may also is too busy working,Occasionally missed."

回放 playback

　　出国游遭遇车祸险些丧命 ChuGuoYou nearly died in a car accident

　　2008年12月15日，南京市民焦女士与旅行社签订出国游合同，去新加坡、马来西亚和泰国游玩，行程10晚11日，团费4560元。

15 December 2008,Nanjing citizen focal lady and travel ChuGuoYou signed the contract,To Singapore/Malaysia and Thailand to play,Stroke 10 night 11,,Membership fee is 4560 yuan.

　　12月21日，焦女士期待已久的旅程终于开始了。12月26日晚，焦女士等人在游玩泰国的一处景点乘车返回曼谷时，乘坐的旅游车突发交通事故，车辆猛烈侧翻，致1人死亡，焦女士等多人受伤。经当地权威部门认定，此次事故由旅游车驾驶员负全部责任。事发后，焦女士被送往泰国当地医院治疗，脾脏被切除，左侧肋骨被撞断4根，肩胛骨和腰椎被撞断。

On December 21,,Coke lady long-awaited journey finally started.On December 26 late,Others, such as ms coke in the play of Thailand in a scenic spot when go back to Bangkok,The coach in a traffic accident,Vehicle violent side turn,To one person was killed,Coke, such as ms injured.By the local authorities recognized,The accident by coach drivers take full responsibility.After the incident,Coke woman was taken to a local hospital treatment of Thailand,Spleen by excision,The left frame fractured 4 root,Scapula and lumbar spine fractured.

　　2009年2月27日，焦女士在南京继续治疗，先后花去数万元治疗费。2009年3月，经南京金陵司法鉴定所鉴定，焦女士脾切除构成八级伤残，腰1椎体三分之一以上压缩性骨折构成十级伤残，肋骨骨折构成十级伤残，左上肢功能部分丧失构成十级伤残。“原本是开心之旅，怎么都没想到，险些丢了性命。”焦女士回忆，在泰国期间，虽然得到了救治，但泰方与国内旅行社相互推诿，且一直没见到保险公司的人出面予以赔偿，“在泰国医院治疗近2个月后，我一心想回国，可是旅行社告诉我，回国后治疗费用需要游客自己承担，让我最好在泰国全部康复后再回国，但我在泰国医院的救治费用已用完，泰方将我强行撵出了医院。”

On February 27, 2009,Ms coke in nanjing to continue treatment,Have spent tens of thousands of yuan treatment.In march of 2009,The nanjing jinling judicial appraisal institute appraisal,Coke lady splenectomy constitute a very disability,Waist 1 vertebral body more than a third of compressibility fracture constitutes ten level disability,Frame fracture constitutes ten level disability,Left upper limb function parts constitute the loss of ten level disability."Was originally a happy journey,How all thought,Nearly lost his life."Focal lady memories,During in Thailand,Although got treatment,But TaiFang and domestic travel agencies mutual shuffle,And haven't seen insurance company have to compensate,"In Thailand a hospital nearly 2 months later,I want to return,But the travel agent told me,After returning home treatment costs need to commit yourself to tourists,Let me best in Thailand all rehabilitation again returned,But I am in Thailand hospital treatment cost has run out,TaiFang will I forced sent out of the hospital."

　　回国后的焦女士，多次与旅行社协商赔偿事宜，但始终未达成一致意见。最终，她依据旅游合同，诉至法院，要求旅行社承担赔偿责任。

After the return of the coke lady,Many times and travel consultation for matters concerned,But never come to an agreement.finally,She according to the tourism contract,To the court,Ask travel agents shall bear the liability for compensation.

真相 truth

　　受伤索赔 得知保费“被截留” Injury claims that premium"interception"

　　“我一直没有弄明白，为什么事发后，保险公司一直不出面。直到到了法院，这才知道真相，原来，保险费被旅行社截留了。”焦女士气愤难当。

"I never understand,Why after the incident,The insurance company has not been bleeding.Until the court,This didn't know the truth,The original,Insurance premium by the travel agency entrapment."Coke lady angry man.

　　根据焦女士出示的旅游合同显示，在该合同的第三条“保险项目、金额”一栏中明确写明：旅行社责任险、购航空险、赠意外险。但金额并未写明。

According to the coke lady show tourist contract display,In the contract of article 3"Insurance program/amount"A column of the clear:Travel agency liability insurance/Purchase aviation risk/Give casualty.But did not indicate the amount.

　　据此，焦女士起诉旅行社，后追加南京某保险公司为被告。但保险公司表示，尽管他们一直和旅行社保持了长期的合作关系，但他们查询后，并未发现焦女士的意外险保险单，“她根本就没有在我们公司投保过。”

According to,Coke lady prosecution travel agency,After additional nanjing some insurance companies for the defendant.But the insurance company said,Although they have been and travel agency maintained a long-term relations of cooperation,But after they inquires,Did not find focal lady's accident insurance policy,"She wasn't in our company have insurance."

　　在这种情况下，旅行社不得不承认，是因为他们工作人员的失误，造成了保险单未及时送交保险公司，“考虑到保险公司和旅行社多年的合作关系，烦请保险公司协助核算赔付金额，赔款由旅行社全额支付。”

In this case,Travel agencies have to admit,Because they work personnel's error,Caused the policy not promptly filed with the insurance company,"Considering the insurance company and travel agency years of cooperation,Please insurance company assist accounting settlement amount,Claims by the travel agency payment in full."

　　既然旅行社愿意承担责任，焦女士略感宽慰。但她没想到，在庭审期间，旅行社出具的保险赔付资料显示，他们只能按照最高限额为10万元进行赔偿，这让焦女士再次不满起来。

Since the travel agencies are willing to bear the responsibility,Coke lady slightly feeling relieved.But she didn't expect,In the trial period,Issued by the travel agency of insurance settlement data shows,They can only to the highest limit for 100000 yuan for compensation,This let coke lady again up discontent.

争议 dispute

　　意外险最高赔30万还是10万？ The highest casualty compensate 300000 or 100000?

　　“我们做过了解，出国游的意外保险限额，基本都是30万元。”焦女士提交的南京多家保险公司的出国游意外险最高赔付限额均为30万元。但是，旅行社不予认可，“这些单据都是2009的版本，但焦女士的事发时间是在2008年。”

"We do know,ChuGuoYou accident insurance limit,Basic it is 300000 yuan."Coke lady of nanjing submitted many insurance companies ChuGuoYou casualty of the highest pay limitation are for 300000 yuan.but,Travel agencies shall not be approved,"These documents are 2009 version,But focal lady's the time is in 2008."

　　随后，旅行社向法院提交了一份由他们合作的保险公司出具的一份单据，该单据显示，旅游意外险的赔付最高限额只有10万元。对此，焦女士当庭提出质疑，“首先，缴纳的保费从30元变成了15元；其次，国内、国外也没明确标明，出国游不可能与国内游的标准一样。”

then,Travel agency submits to the court a by their cooperation in the insurance company issued a document,The documents show,Travel accident insurance claims ceiling only 100000 yuan.this,Coke lady at court questioned,"First of all,Pay premium from 30 yuan into 15 yuan;secondly,domestic/Foreign also didn't clearly marked,ChuGuoYou impossible and domestic tourism as the standard."

　　焦女士还特别指出，在她发生事故的车上，当时还有一名老人因为事故去世，老人的家人为此将旅行社和保险公司诉至法院，最终，老人的家属共获赔41万余元，“这是按照30万元的标准进行赔付的。”因为双方对此并未提供书面的证据材料，法官希望双方补充证据后，再次开庭。

Coke lady singled out,Before her accident car,There was even a old man died from an accident,The family of the old person to travel and insurance companies to the court,finally,The old man's family members were HuoPei of more than 410000 yuan,"This is according to the standard of 300000 yuan in the compensation."Because the parties to this did not provide written evidence materials,The judge hope that both sides after additional evidence,Court again.

　　快报调查 Express survey

　　大多数游客交了钱没拿到保单 Most visitors to hand over the money didn't get a policy

　　记者了解到，虽然旅游意外险属于自愿投保的险种，但绝大多数游客都会购买。

The reporter understands,Although the tourism casualty belongs to voluntary insurance is planted,But the vast majority of tourists will buy.

　　“在我们这儿报名的，九成以上都会购买旅游意外险。”中青旅江苏国际旅行社有限公司副总经理李琰告诉记者，一般来说也就一二十块钱，和出游的费用相比实在是“小钱”，游客大多愿意花这个钱买个安心。

"We here in the application,More than ninety percent will buy travel accident insurance."Cyts jiangsu international travel service co., LTD., deputy general manager LiYan told reporters,Generally speaking is a decade or two dollars,And the cost of travel than it is"penny",Tourists are willing to spend the money to buy a at ease.

　　昨天，记者询问了身边10多名爱出去玩的朋友。他们每年至少出游一次，有的甚至好几次。绝大多数都表示买过，有的是在交团费的时候顺便在旅行社一起购买，有的是旅行社赠送的。

yesterday,Reporter asked side more than 10 name love go out to play friends.They travel at least once a year,Some even several times.The vast majority of all mean buying,Have a plenty of pay cost in together in a travel agency purchase,Have a plenty of travel agency complimentary.

　　但是，当记者问他们是否拿到过保单，只有一位朋友表示拿到过。上个月，他在一家旅游网上预订旅游产品，同时选择了一份20元的旅游意外险，付款后不久就收到了一份电子保单，可以在保险公司的网站上查验，但是传统旅行社基本都不会给游客出具保单。

but,When the reporter asked whether they get a policy,Only a friend said to.Last month,He works in a travel Internet booking travel products,At the same time chose a $20 travel accident insurance,Shortly after payment received an electronic policy,Can be in the insurance company's web site inspection,But the traditional basic won't travel to tourists issue policy.

旅行社不给保单 只在合同里注明 Travel not only to the policy in the contract indicate

　　昨天，记者以游客的身份咨询了南京一家大型旅行社。

yesterday,Reporter in the identity of visitors to the nanjing consulting a large travel agency.

　　记者表示想报名参加成都九寨沟的旅行团，工作人员热情地发来好几份报价单。报价单上赫然注明：不含旅游意外险。“好多客人以为交的团费里面含旅游意外险了，其实没有。”工作人员解释，强制交的是旅行社责任险，这是由旅行社交的保险，如果在旅途中出了意外，是旅行社的责任，那么保险公司会按规定赔付；而旅游意外险是由游客自愿购买的。“你这个行程是6天的，10元钱一份就够了，保额10万元。”不过她明确表示，没有旅游意外险保单，而是在签订的旅游合同中写明购买的险种以及保额。

Reporters want to sign up for chengdu jiuzhaigou Tours,Staff warmly sent for a quotation.Quotation on awesomely indicate:Does not contain the travel accident insurance."A lot of guests think pay membership fee contained the travel accident insurance,When there is no."Staff to explain,The travel agency liability insurance is forced to pay,This is by the travel agency pay insurance,If on a trip out of the accident,Is the responsibility of the travel agency,So the insurance company will compensate according to regulations;But the travel accident insurance is by the visitors to buy voluntarily."You this trip is 6 days,10 yuan a is enough,Amount is 100000 yuan."But she made clear,No travel accident insurance policy,But in the tourism contract signed stated in the insurance coverage and buy.

　　随后，记者又询问了好几家旅行社。各家的回答差不多，都表示没有保单，只在合同里注明。业内人士告诉记者，旅行社是和保险公司签好年度合作的协议，一般是以整个团队的名义来投保。每个旅行团出行前，将参保的游客名单信息录入，传至保险公司。一个团一个保单号，所以没法为每个游客提供保单，个人在保险公司也不好查询。但是如果游客想要知道自己是不是购买了保险，通过旅行社是可以查询到的。

then,The reporter also asked several travel agencies.Each answer almost,All said no policy,Only in the contract indicate.The personage inside course of study tells a reporter,Travel service is and insurance will sign the annual cooperative agreement,The general is the name of the entire team to insurance.Each road trip before,Will join the tourist list information recorded,Pass to the insurance company.A group a policy number,So can't provide policy for each visitors,People in the insurance company is bad also inquires the.But if they want to know whether you buy insurance,Through the travel agency is to inquires.

　　不过，实际上几乎不会有人去查看自己的投保信息。

but,Actually almost no one to view their own insurance information.

　　保单黑幕 Policy shady

　　“黑保单”的确存在 利润很可观 "Black policy"Indeed there is considerable profits

　　“如果旅行社想贪下这笔保费，确实很容易。”一家旅行社的负责人告诉记者，据他所知，同行中就有人这样操作。

"If travel agency to deal with premium,Really easy to."A travel agency's person in charge told reporters,According to his knowledge,Counterparts in someone this operation.

　　前不久，他们旅行社接下一笔业务，由于人数众多，是分给两家旅行社做的，在代办旅游意外险时，他和组织方的联络人联系，要求提供每名游客的姓名和证件号码，“可对方嫌我们麻烦，说有的旅行社就没有这么多要求，直接帮他们办好了保险。”这位旅行社负责人说，“你想想，怎么可能呢？现在保险公司都要求，必须将投保人的详细信息录入系统，否则无法生效。那说明什么？很显然，对方口中的那家旅行社压根没帮他们买保险，但是却算了保险的钱。”

Not long ago,They took a travel agency business,Due to the large number,Is two travel agencies to do,In charge when travel accident insurance,He and organization party liaisons contact,Required to provide every tourist name and id number,"But the other party don't think we trouble,Some travel agency said there is no so many requirements,Direct help them to handle insurance."The travel agency officials said,"Do you think,How could it be possible??Now insurance companies are required,The applicant must be detailed information input system,Otherwise you won't take effect.What that means?obviously,The mouth that agency never help them buy insurance,But forget it insurance money."

　　他给记者算了笔账，旅游行业的利润并不丰厚，特别是一些做短线游“跑量”的，一个团也没有多少利润，一二十块钱的保费看起来不多，但积少成多也不少。比如一家小旅行社，一年1万名游客，每人10元，算起来也有10万元！如果这全被扣下来做为“利润”，那还是相当可观的。

He sent the journalist calculate bill,Tourism industry's profit is not rich,Especially some do short swim"Run quantity"of,A group also don't have much profit,A decade or two dollars premium look much,But many a little makes a mickle also many.Such as a small travel agency,A year 10000 tourists,10 yuan per person,Calculate rise also have 100000 yuan!If it was all down as a button"profit",It was considerable.

　　“一般来说，正规的大旅行社犯不着为这一二十块钱去冒险，虽然出事几率不大，但万一出了事，岂不是要把自己赔死？而且还会惹出很多麻烦。” 他认为，“黑保单”肯定存在，不过，由于工作太忙导致有时候漏办了，也有可能。

"Generally speaking,Regular travel agencies not worthwhile for this decade or two dollars to adventure,Although the accident probability is not big,But one thousand with an accident,Not want oneself to compensate dead?And still get out a lot of trouble." He thinks,"Black policy"Certainly exist,but,Because the job is too busy cause sometimes leak done,May also.

　　对此，业内人士建议，最好也采取一人一保单的形式，杜绝有些旅行社或者个别工作人员钻空子。当然，每人开具一张纸质保单太费事，也造成很大浪费，建议每输入一名游客的名字，就自动生成一张电子保单，游客可以自己按单号去查询。目前一些网络旅行商已经采取这样的模式。

this,The personage inside course of study suggest,Also had better take the form of a policy,Put an end to some travel agencies or individual staff exploit an advantage.Of course,Each piece of paper issued policy is too trouble,Also caused great waste,Suggest each input a tourist name,Automatically generate a electronic policy,Visitors can according to single number to query.At present some network traveling salesman has taken such a pattern.

律师提醒 Lawyer reminded

　　签旅游合同时应注明险种和保额 Sign the contract tourism should be planted and indicate the forehead

　　“旅行社截留保险费，一旦发生意外，那么，不管保险单有无生成，旅行社将代为赔偿原本应由保险公司赔偿的费用。”江苏圣典律师事务所律师贾政和表示，此前，南京曾有判例，因为旅行社截留了旅客的保险费，发生事故造成旅客死亡，死者的家属诉至法院，法院支持了死者家属的意见，判决旅行社参照保险公司赔付标准，赔偿了死者家属近50万元。

"Travel agency entrapment insurance premium,Once the accident,so,No matter whether the policy formation,Travel will be on behalf of compensation should be the cost of compensation by insurance company."Jiangsu Canon law firm lawyers JiaZheng and said,after,Nanjing had case,Because travel agency withholding the insurance premium of passengers,An accident caused passenger death,The dead man's family members to the court,Court support the family members of the deceased opinion,Judgment travel agencies refer to the insurance company compensate standard,Compensation for the family members of the deceased nearly 500000 yuan.

　　但贾政和表示，对于普通的旅客来说，在参加旅行社组织的旅游时，务必要留个心眼，看看旅游合同中有无写明保险种类及保额，“只要写进去了，不管旅行社是不是截留，都不影响旅游者索赔。”但是，如果合同中只写明保险种类但无数额，应该要求旅行社注明，“因为缴纳的保险费不同，保额会有很大差别。比如，有的是10元钱保10万元，20元钱保30万元等。如果不写明，一旦出现意外，索赔时就可能遇到扯皮。”

But JiaZheng and said,For ordinary travellers,In the travel agency organization's travel,Be sure to leave a mind's eye,Look in the travel contract for the insurance types and amount,"As long as to write in,No matter whether entrapment travel agency,Do not affect tourists claim."but,If the contract only indicate insurance categories but no amount,Should require travel agency indicate,"Because the insurance premium of pay different,Coverage will make a great difference.For example,Have a plenty of 10 yuan qianbao is 100000 yuan,20 yuan qianbao is 300000 yuan, etc.If not indicated,Once appear accident,Claims may meet schmooze."