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近年来,随着国民出游次数的不断提升,特别是在旅游旺季,国内外旅游意外事件、安全事件时有发生,出现旅程延误、旅程缩短,或生病等意外,旅行质量大打折扣,甚至被迫中断。这些在出游期间时刻存在的风险扩大了游客对购买意外险产品的需求。但是由于保险产品知识的缺乏及对承保范围的误区,导致游客虽然购买旅游意外险,但是某些事故造成的损失却得不到有效全面的赔偿。本文旨在通过介绍境内外旅游存在的风险,意外险及责任险具体补偿范围等知识的介绍来使游客更深层次了解旅游意外险产品及组合,从而使我国旅游风险分散及转移体系更加完善化,一定程度上减少游客出行时自身健康及财产损失和旅行社的责任赔偿损失。
In recent years, with the increasing number of national trips, especially in the tourist season, unexpected accidents at home and abroad, safety incidents have occurred from time to time, travel delays, short trips, or illness and other accidents, greatly reduced the quality of travel, or even forced Interrupted. These risks, which exist at the time of travel, have increased the demand of tourists for the purchase of accidental insurance products. However, due to the lack of knowledge of insurance products and the misunderstanding of the scope of coverage, tourists even purchase travel accident insurance, but the losses caused by some accidents can not be effectively and completely compensated. The purpose of this paper is to introduce tourists to a deeper understanding of products and combinations of travel accident insurance by introducing the existing risks of travel inside and outside China, the introduction of such knowledge as accident insurance and specific compensation scope of liability insurance, so as to further diversify and diversify the tourism risk in our country, To a certain extent, to reduce their travel health and property loss and travel agency liability for damages.