暴晒的夏天即将远去，凉爽的秋季已经到来。对于憋屈了整整一个夏天的人们来说，旅游无疑成为舒展身心减轻压力的最好方式。尤其是今年的中秋节与国庆长假相连，长达8天堪比春节的假期让白领们心花怒放，早早地就开始规划出游的行程。 The summer sun is gone,Cool autumn has come.For humbled it for a whole summer people,Travel undoubtedly become stretch and the best way to relieve stress.Especially this year's Mid-Autumn festival and National Day long vacation connected,For eight days could be compared to the Spring Festival holiday let white-collars be elated,Early start planning a trip.
　　记者在走访中了解到，近来旅行事故的高发为人们敲响了警钟，使越来越多游客认识到保险的重要性，旅行保险的规划和购买等事宜也被白领们提上了日程。据泰康在线（www.taikang.com）的保险专家称，由于恰逢双节超黄金周长假，进入9月以来，旅行险的销量大幅增加，同比上涨了4成左右。 Reporter in the visit to know,The recent travel accident incidence was a wake-up call for people,To make more and more visitors to recognize the importance of insurance,Travel insurance planning and purchasing issues, etc have also been white-collar workers put on the agenda.According to "taikang" online(www.taikang.com)Insurance experts say,Due to the double festival golden week holiday attention of super,Since September into,Travel insurance sales increase,The four rising around.
　　 旅行社责任险捉衿见肘，专业旅行险销量猛增 Travel agent liability catch short see cubits,Professional travel insurance sales soared
　　国家旅游局日前预测，今年中秋、国庆双节期间，国内旅游市场接待人次约为3.45亿，同比增长约15%。如此密集的旅游人群带来的不仅是心理上的压力，更是旅途中频繁发生的意外事故。 The national tourism administration has forecast,Mid-Autumn festival this year/National Day double festival period,Domestic tourism market receive about 345 million people,Year-on-year growth of about 15%.So populated tourist crowd brings is not only a psychological pressure,The journey is more frequent accident.
　　有很多游客认为跟着旅行团出游，安全方面就不需要过多担心，旅行社也会免费为游客提供旅游责任险。然而记者了解到，旅行社的责任险是承保自身过失而引发的游客人身、财产的损失，并不包含游客个人发生的意外。即在旅行过程中，旅游者因个人原因出险，比如游客自己扭伤到脚此类的情况，旅行社责任险并不能为旅游者提供任何保障。并且游客在旅途上遭遇洪水、地震等自然灾害等，旅行社也是不负责赔偿的。在上个月中旬，三名深圳游客在梧桐山景区游玩时遭遇暴雨被雷击，其中1人死亡。此类情况就不在旅行社责任险的承保范围内。 There are a lot of tourists think follow travel tour group,Security will not need too much worry,Travel will free offers visitors travel liability insurance.But the reporter understands,The travel agency liability insurance is their own fault coverage and causes of tourists personal/Property loss,Do not contain tourists personal accident happened.That is in the process of the trip,Tourists because of personal reasons be or get out of danger,Such as the tourists themselves to a sprained foot such situation,Travel agent liability insurance does not provide any guarantee for tourists.On the trip and tourists flooded/The earthquake and other natural disasters,Travel agency is not responsible for compensation.In the middle of last month,Three shenzhen wutong mountain scenic spot in tourists visit encounters rainstorm was struck by lightning,One death.Such situation would not be in travel agency liability within the scope of cover.
　　旅行社责任险的明显不足极大地带动了专业旅行意外险的销量。泰康在线的保险专家裴先生告诉记者，9月份通过泰康在线购买旅游意外险的游客量大幅增长，同比上涨了4成左右。其中，泰康在线的e顺旅行保障计划由于正好满足大多数游客双节出行的需求，且提供紧急救援服务，近一个月来的销量更是不断攀升。   　　 The travel agency liability insurance is not enough greatly promote the professional travel accident insurance sales."Taikang" online insurance experts PeiXianSheng told reporters,September through the "taikang" online purchase travel accident insurance of a sharp increase a much-needed boost,The four rising around.the,"Taikang" online e paramagnetic travel security program because just meet most visitors double festival travel demand,And to provide emergency rescue service,Nearly a month to sales is rising.   专家建议游客投保专业旅行险，网络DIY省时又省钱 Experts recommend tourists travel insurance professional risks,Network DIY save time and save money

　　记者通过保险专家了解到，不论是旅行途中意外发生的各种人身伤害，还是近期频发的地震、暴雨、泥石流等不可抗拒的自然灾害，都可以通过一份专业旅行险来解决。然而，购买专业旅行险也并非随便找一款付款就行，游客投保也有许多讲究。专家建议游客在投保商业旅行险时要注意保障期间。不要过长，造成不必要的浪费。也不可太短，导致无法承担全程的保险责任。另外，游客还需了解自己所参加的活动，很多旅游险并不保障赛马、攀岩、探险性漂流、潜水、高山滑雪、滑板、蹦极、冲浪等高风险活动。 Reporter through the insurance experts to understand,Whether the trip happening all sorts of personal injury,Or frequent recent earthquake/storm/Debris flow irresistible natural disasters,Can through a professional travel risks to solve.however,Buy professional travel insurance is not settle for one payment will do,Tourists insurance there are also many exquisite.Experts recommend tourists in the insurance business travel insurance should pay attention to during the guarantee.Don't too long,Cause unnecessary waste.Nor too short,Can't bear the whole responsibility of insurance.In addition,Tourists still need to understand their participate in the activities,A lot of travel risk does not guarantee the horse racing/Rock climbing/Exploration sex drift/diving/Alpine skiing/slide/Bungee jumping/Surfing etc high risk activity.
　　也有许多游客感觉投保是件很麻烦的事。其实如今大多数保险公司的旅行险都支持网络投保，游客完全可以自由定制保障内容、保障额度和保险期间，几分钟就能够轻松完成整个投保流程。价格也比传统的代理人渠道便宜20%左右。 There are also many tourists feel insurance is a very troublesome thing.In fact now most of the insurance company's travel risk all support for network,Visitors can completely free custom security content/Security line and insurance period,A few minutes can easily complete the whole cast process.The price is better than the traditional agent channels about 20% cheaper.
　　以泰康在线的e顺旅行保障计划为例，该计划是泰康在线专门针对市场需求推出的一款可以自由定制的旅行险，可提供境内外旅行途中，因为意外导致的身故、残疾、烧伤保障，用户也可选择意外医疗、意外丧葬费用或者24小时紧急救援、紧急门诊的保障。用户可按需DIY保障内容、保险期间和保障额度，几分钟就可完成全部投保过程。以投保10万的意外伤害保额为例，保障5天仅需5.7元。 To "taikang" online e paramagnetic travel security program as an example,The program is "taikang" online specialized in view of market demand offering a free customized travel insurance,Can provide trip at home and abroad,Because the accident cause of death/disability/Burn security,The user can also choose accident medical treatment/Accident funeral expenses or 24 hours emergency rescue/Emergency outpatient service guarantee.Users can on-demand DIY security content/Insurance period and security line,A few minutes to finish all the cast process.In 100000 for the accident harm coverage as an example,Security 5 days only 5.7 yuan.
　　网络投保自由DIY虽然方便实惠，但投保人在付款前一定要先给网站“验明正身”，以防被“山寨”网站所蒙骗。购买保险也一定要在各大知名保险公司的官方网站上投保，不仅安全更没有代理费，对游客的行程保障才最到位。 Network for free DIY although convenient tangible benefits,But the applicant before paying must give first website"identify",To prevent"strongholds"Web site deceive.Buy insurance must also be in each big famous insurance company insured's official website,Not only safety more no commission,To tourists travel security is the most in place.