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近年来,随着我国经济的快速发展,居民的消费水平日益提高,旅游成了日常生活的组成部分。随着旅游市场的火爆,旅游安全问题也日益突出,旅游保险的发展日渐成为旅游深入发展的关键之一。然而,从现实情况来看,旅游保险市场发展并不理想,尤其是对于散客市场,无论是旅游者还是保险企业,其发展的积极性都有待提高,旅游保险“投保少、险种少、理赔少、救援少”等问题亟需解决。为此应该从发现需求、建立规制、完善体系等方面着手,围绕产品链来创新旅游保险产品体系,同时对旅游保险经营模式进行创新设计,从而创造一个旅游保险的新局面,为旅游发展保驾护航。
In recent years, with the rapid economic development in our country, the consumption level of residents has been increasing day by day, and tourism has become an integral part of daily life. With the hot tourism market, the issue of tourism safety is also increasingly prominent. The development of travel insurance has become one of the keys to the in-depth development of tourism. However, from the realistic point of view, the development of the travel insurance market is not ideal, especially for the individual passenger market, both tourists and insurance companies, their enthusiasm for development needs to be improved. Travel insurance “insures less, less insurance, claims Less, less rescue ”and other issues in urgent need of solution. Therefore, we should start from the aspects of discovering demand, establishing regulation and perfecting system, innovating the tourism insurance product system around the product chain, meanwhile, innovating the design of the travel insurance business model so as to create a new situation of tourism insurance and escort the development of tourism .