交通运输部政企分开改革方案出炉后，携程旅行网也于近日试水推出新型态旅行产品“铁保行”。业内人士分析，经铁道部多年擘画经营，中国高速铁路已完成“四纵四横” 的发展重点，带动消费者需求高度扬升。而铁道部直接销售火车票的专业网站12306，不仅带动了电商的普及，也奠定了未来中国铁路总公司能为人民提供更便捷高效服务的基础，虽还有不尽人意之处，但其实自上线以来其网站也做了相当的改进和提高。作为旅游行业的OTA，携程旅行网近期推出各类创新旅行产品的目的，也在于为出行者提供更便捷高效的服务，满足消费者不断提升的需求。

Ministry of transport separating reforms after baking,Ctrip also recently to launch new types of travel products"TieBao line".The personage inside course of study analysis,By the ministry of railways map business for many years,China's high-speed rail has been completed"Been cross" The development of the key,To drive consumer demand highly ascension.And the ministry of railways train ticket sales professional web site 12306 directly,Not only led to the popularity of electricity,Also laid the future China railway corporation can provide people with more convenient and efficient service,Although there are unsatisfactory,But in fact since launched its website also made a great improvement and improve.As the tourism industry of OTA,Ctrip travel recently launched all kinds of innovative products,Also is to provide more convenient and efficient service for traveler,Meet the constantly promoting demand of consumers.

　　据了解，携程旅行产品“铁保行”推出后，颇得消费者好评，特别是从智能服务角度的用户体验，更体现了现代消费者的需求。不过对此新型态产品，市场上也有不少人有着疑惑，认为有强制搭售保险或是游走法律灰色地带的嫌疑。

We have learned,Ctrip travel products"TieBao line"After the launch,Has won praise customers,Especially from the Angle of intelligent service user experience,More embodies the modern consumer demand.But this new kind products,There are many people have doubts on the market,Think of legal grey areas are forced to sell insurance or suspicion.

　　对此，记者采访到相关专家解惑。中国旅游研究院副研究员杨彦锋博士认为：打包产品一向是旅游公司的强项，商业旅游网站将火车票结合保险推出旅行产品，实际上是种创新的产品规划，对更有效率的利用高铁运力有利，为市场带来新意。就保险而言，如果消费者支付此产品前，已详阅并同意网站的协议条款，网站在支付之前亦尽了告知的义务，那就没有违反《保险法》的保险合同自愿订立原则。

For this,Reporters to the relevant experts.China tourism research institute associate researcher Dr Yang Yanfeng thought:Packaging products has always been a tourist company strengths,Business travel website will launch travel tickets in combination with insurance products,In fact is a kind of innovation of product planning,Good for more efficient use of the high-speed rail capacity,Bring the market new idea.In terms of insurance,If consumers pay for this product before,Have read and agree to the terms of the agreement of website,Website before payment is made the inform obligation,There is no violation[Insurance law]Insurance contracts are concluded voluntary principle.

　　上海百悦律师事务所高级合伙人李刚律师则分析：商业网站将火车票与交通意外险结合成旅行产品，火车票与保险只是整个产品与服务套装中的部分产品内容，就如同包含机票、酒店的团队游旅行产品。且顾客提交订单之前，网站明显标示协议条款，必须自主选择同意，才可进入付款环节，并无违反《消费者权益保护法》规定的消费者自主选择权。

Shanghai yue li gang, senior partner at law firm lawyers are analyzed:Commercial website will train ticket and transportation insurance combined into travel products,Train tickets and insurance is the part of the product content of products and services that suit,Like a contains ticket/Hotel team travel products.And customers submit orders before,Website well marked the terms of the agreement,Must choose agree,To enter the payment link,There is no violation of[Consumers' rights and interests protection law]Consumers to choose.