Outbound travel insurance-the "umbrella" for tourists to travel

? As the saying goes, three-point insurance for boating and horse racing? With the increase of the number of outbound tourists, the frequency of tourists encountering accidents is getting higher and higher, and unpredictable travel risks also follow. Unpredictable natural and man-made disasters may bring potential risks to outbound tourists. Therefore, travel insurance has become the focus of attention inside and outside the industry.

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How big is the travel insurance market?

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Although there is no authoritative statistical data at present, some insiders have calculated an account: According to statistics, by the end of 2005, the total number of China citizens leaving the country was 31026,300, an increase of 7.5% over the previous year. Among them, the number of outbound tourists in Shanghai reached 6.5438+0.985 million. If each policy is calculated in 50 yuan RMB, the total insured amount will reach 654.38+0.5 billion yuan, and Shanghai will have at least 654.38+0 billion yuan in policy sales. Another set of statistics shows that in 2005, the number of domestic tourists in China reached121200 million, an increase of 10% over the previous year. Experts predict that in the next 10 year, China will step into the ranks of the world's tourism powers, and by 2020, China's total annual tourism revenue will reach 3.3 trillion yuan. This nearly 10 billion yuan travel insurance? Cake? It has attracted the attention of many domestic and foreign insurance companies. ?

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AIA and AIA, which set foot in China's travel accident insurance earlier, have launched many personalized products. Like what? Travel around the world Travel insurance can guarantee the insured's accidental disability and medical assistance during travel; Tailored for business travel? AIA Global Business Travel Link? Travel insurance etc. Like PICC P&C insurance, designed for domestic tourists? Travel all over China? Insurance card jointly launched by Ping An Company and Munich Reinsurance? Ping An Overseas Travel Emergency Rescue Medical Insurance? Wait a minute. In recent years, there are many innovative types of travel insurance, such as insurance for high-risk activities such as rock climbing and skydiving, and claims protection for stolen luggage, passports and property.

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The travel insurance market started late.

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Anyone familiar with tourism knows that travel insurance in China started late. 1997 The National Tourism Administration issued the Interim Provisions on Travel Agency Handling Travel Accident Insurance, which established the basic framework of China's travel insurance. In foreign countries, travel insurance has a long history and has almost become a must-have item for travel in Australia, the United States, Japan and other countries. However, in recent years, with the occurrence of some travel safety accidents, travel insurance has entered the sight of consumers in China. Travel insurance? Gradually surfaced.

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Not long ago, a survey conducted by a survey company on tourism consumers in Beijing, Shanghai and Guangzhou showed that more than 70% of the respondents had traveled abroad for more than two days in the past two years, but more than half of them did not buy travel insurance at all. Among them, outbound travel is better than domestic travel. However, there are more people buying insurance in some areas with high tourism risk coefficient or special tourism and adventure tourism in China.

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According to the statistics of Shanghai Insurance Regulatory Bureau, the total premium of travel insurance in Shanghai in 2005 was 54.5 million yuan, and 5.6 million yuan was paid. Among them, 763 travel agencies * * * insured travel agency liability insurance for 4.5 million yuan, with an average of about 6,000 yuan per person, while 8.5 million people who went on domestic and outbound tours with group tours bought travel accident insurance for 50 million yuan, that is, the per capita premium consumption in 6 yuan is 2,000 yuan, and tourists only spent 3? .

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A travel agent told reporters that some consumers can spend thousands or even tens of thousands of yuan to travel, but they are unwilling to pay for travel accident insurance of tens of yuan. As a result, the travel insurance market has been calm and embarrassing. ?

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How to enlarge this market?

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In 2005, among the 0/.985 million outbound tourists in Shanghai, only over 30,000 people bought international travel insurance, and the purchase rate was 1.5%. At the same time, there are tens of millions of tourists in Beijing every year, but more than 70% of them do not buy travel accident insurance. The purchase rate of the same insurance in Australia, Japan and other countries is as high as over 90%.

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? ? Industry experts believe that there are three main reasons for the slow development of travel insurance:

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From the perspective of travel agencies, according to the Regulations on Travel Agency Liability Insurance implemented from 200 1, travel agencies must purchase travel agency liability insurance every year. Faced with the pressure of low-price competition in the industry, travel agencies regard travel accident insurance as an additional service product, which is not included in the quotation of travel products. At the same time, travel agencies are afraid of being put on by tourists when recommending travel insurance? Compulsory consumption? Hats are usually just to persuade tourists to buy travel accident insurance. Once lobbying fails, they will no longer insist. In addition, the commission rate of travel insurance companies to travel agencies is lower than the international level. For example, the sales price of travel accident insurance for outbound travel is 100 yuan? Between 300 yuan and China, the agency fee of travel agencies is generally 20%, while that of foreign travel agencies is about 40%. Therefore, domestic travel agencies are not enthusiastic about promotion. ?

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From the insurance company's point of view, the current travel accident insurance is limited to travel agency agents, and the relatively narrow insurance channels and single insurance methods are one of the main reasons that hinder its sales. At the same time, due to the short term and low premium of travel accident insurance, compared with other insurance markets, insurance companies think that this is just a small type of insurance, which does not belong to? High quality? Products have the characteristics of large quantity, many things and low price, so the degree of attention is obviously not enough, less energy is invested in publicity and sales, and after-sales service is not satisfactory.

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From the tourist's point of view, at present, many tourists have insufficient understanding of tourism risks, weak awareness of risk prevention and take chances. Many tourists think that travel agencies have? Give away insurance? Why buy travel accident insurance again, will they? Travel agency liability insurance? As? Travel accident insurance? This is a misunderstanding. In fact, travel agency liability insurance cannot protect the rights and interests of tourists in case of accidents due to their own reasons. This is also an important reason for the downturn in the travel insurance market.

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A few days ago, Liu Xiaojun, deputy director of the Comprehensive Department of the National Tourism Administration, told reporters that there are more than 20 kinds of travel insurance in the market at present, but the chaotic market order has brought some problems: First, consumers' awareness of travel insurance is still relatively low, and their awareness of travel risks is not strong. Second, some existing laws and regulations are not perfect, and the responsibility after the accident is unclear, which affects the effect of claim settlement. Third, the homogenization of travel insurance is serious, the market is vicious, the satisfaction of tourists is declining, and the insurance service is lagging behind, which reduces the insurance's ability to resist risks. In the future, the National Tourism Administration and the China Insurance Regulatory Commission will further strengthen the supervision of the travel insurance market and gradually improve various systems so that more tourists can raise their awareness of travel insurance. Judging from the future development trend, with the rapid development of China's tourism industry, the travel insurance market has great potential and broad prospects.

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? ? Undoubtedly, tourism is a highly related industry, and its uncontrollable external factors are often the tourism risks. Tourism safety is an eternal topic of tourism development. In the future, with the enhancement of people's awareness of travel risks and their own insurance awareness, travel insurance? Will it support tourists to travel? Umbrella? .

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