Travel without anything, don't forget accident insurance!

The importance of travel accident insurance to the whole society

Tourism is indispensable to a complete society. Tourism plays a very important role in a region, a city or even a country, which drives the economic development of the whole region and country. China's tourism industry mainly developed after the reform and opening up.

As one of the three pillar industries of tourism, travel agencies have a strong dependence on the environment in the process of development because of their own product characteristics and operating characteristics, among which travel accident insurance is a more sensitive factor.

The compulsory insurance initially implemented in China's tourism industry is "travel accident insurance".

In order to protect the legitimate rights and interests of tourists, the National Tourism Administration and the People's Insurance Company of China jointly issued the Notice on Unified Implementation of Travel Accident Insurance for Overseas Tourists in China in February 1990, which stipulated that all overseas tourists, including overseas Chinese, compatriots from Hong Kong, Macao and Taiwan, received by the outreach organizations of China's travel agencies should be included in accident insurance, and the insurance premium should be paid.

The Regulations on Travel Agency Management promulgated by the State Council 1996 stipulates for the first time that "travel agencies should handle travel accident insurance for tourists".

1 September, 19971Interim Provisions on Travel Agency Handling Travel Accident Insurance, which came into effect, clearly defined the definition of "travel accident insurance", and pointed out that travel accident insurance refers to the insurance behavior that travel agencies pay insurance premiums to tourists on behalf of tourists in order to protect their interests when organizing group tours, and the insured insurance companies pay insurance premiums to tourists in case of accidents during the travel process.

And "travel accident insurance" is defined as compulsory insurance. Travel agencies must take out travel accident insurance for tourists, with the premium of 30 yuan, mainly personal accident insurance.

Travel accident insurance is very important to tourism; Accidents are inevitable every year, and travel accident insurance is very important.

The object of travel agency liability insurance is the economic compensation responsibility that travel agencies should bear to tourists according to law, and it is an intangible interest object and abstract property right.

Because the damage caused by travel agencies in their business activities may be tourists' bodies or tourists' property, the subject matter of travel agency liability insurance includes not only personal liabilities such as compensation for personal injury or death of tourists, but also property liabilities such as lost, damaged or stolen luggage and articles of tourists, as well as litigation costs caused by travel agency liability disputes.

Moreover, the beneficiaries involved-tourists-are individuals or groups that may suffer damage in the travel business activities of travel agencies. When applying for insurance, they are only a vague group concept and have no direct relationship with specific people or things.

The subject matter of travel accident insurance is the body and life of a specific insured (before the separate operation of life insurance and property insurance in China, it also includes limited property liability such as compensation liability caused by the loss, damage or theft of tourists' luggage), which is only the personal responsibility of tourists and is a tangible entity subject matter.