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当前我国旅游业缺乏系统的立法规制,完善旅游立法是明确各方权责和保障消费者权益的需要。在旅游保险中,旅游者自我保护意识薄弱、保险产品简单、监管体制落后等问题突出,旅游保险法律的不完善是其重要的原因之一。应当尽快健全立法,消除法律冲突,增强法律的可操作性,建立统一有效的监管体制。
At present, China’s tourism industry lacks systematic legislative rules and regulations, and improving tourism legislation is the need to clarify the rights and responsibilities of all parties and protect consumers’ rights and interests. In the travel insurance, tourists have a weak awareness of self-protection, simple insurance products, oversight of the regulatory system, and other issues highlight the imperfectness of the travel insurance law is one of the important reasons. We should improve the legislation as soon as possible, eliminate legal conflicts, enhance the law’s operability and establish a unified and effective regulatory system.