Why do you see more travel accident insurance and buy less?

"Travel accident insurance itself is a huge market. Although the premium of travel accident insurance is lower and the profit is less, insurance companies can publicize their services and deepen customers' knowledge of insurance, which is also an effective way to cultivate potential customers. Ms. Li Wenjun of the School of Finance believes that "at the same time, in view of the rapid development and great potential in the field of tourism economy, the relevant government departments should also speed up relevant legislation to create a good and standardized external environment for the development of tourism and tourism accident insurance. For example, we haven't had a travel law for so many years! "Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

According to the data of the National Bureau of Statistics, in 2003, the number of tourists in China reached 870 million. Calculated by the premium per person 10 yuan, travel accident insurance can earn a huge premium income of nearly 9 billion yuan a year. What's more, in the next few years, China's tourism industry will step into the ranks of the world's tourism powers, and the tourism market will be broader than it is now. How about PICC? I just sorted out the relevant contents, hoping to help you: What about PICC in China? PICC Top Ten Insurance Products List!

It is difficult to straighten out the interest relationship.

In today's increasingly fierce competition in the insurance industry, travel accident insurance with great potential has never been popular. What is the reason?

"The main reason is that people lack insurance knowledge. Some tourists simply don't understand the difference between liability insurance and accident insurance. Many people confuse the two. For example, when there are incidents such as theft during travel, some tourists claim compensation from the travel agency and think that the travel society should be responsible for such things. " What are the accident insurance for accidental medical treatment? Which is more secure? Which is more worth buying? Take a look at the latest list! Top accident insurance list of national insurance companies!

Manager Wang Yongxiang of the Customer Service Center of Ping An Insurance Jinan Branch said, "No wonder, it has been three years since the Regulations on Travel Agency Liability Insurance was officially implemented on September 1 2006.

However, even in some relatively developed cities such as Beijing and Hangzhou, the coverage rate of travel accident insurance is less than 1%, and 99% of tourists are still uninsured. "

"Now the competition in the tourism market is fierce and the profits are relatively weak. Except for some important teams, travel agencies generally don't take another piece of profits to give tourists free accident insurance. " Miss Li Wei from Jinan Shanshui Travel Agency said.

It is understood that the current sales channel of travel accident insurance is mainly travel agency sales, while travel agencies only recommend to customers, and most of them do not explain and explain, which is obviously not enough for customers who don't know much about insurance knowledge. Therefore, unless travel agencies voluntarily provide tourists with travel accident insurance, few people pay for it themselves, and tourists who voluntarily buy accident insurance can't even account for 10%. In contrast, business groups often buy travel accident insurance in full when traveling; Outbound tourists also have a strong sense of insurance. According to statistics, about 30% of outbound tourists have purchased personal accident insurance.

Experts believe that the unreasonable benefit distribution mechanism is the fundamental factor for the cold sales of travel accident insurance.

"The deeper reason is that there is no direct income after the travel agency launched travel accident insurance. To change this embarrassing situation, coordinating the benefit distribution mechanism is the key. " Ms. Li Wenjun of Shandong University of Finance believes that "otherwise, most travel agencies have taken out relevant liability insurance in accordance with state regulations and passed on their own liability risks, which will inevitably publicize the importance of travel accident insurance, and naturally there will be no enthusiasm for sales."

Risk awareness needs to be improved

"Travel accident insurance has been cold for a long time. In addition to the lack of publicity and interest-driven travel agencies, the more crucial reason is that most tourists have a weak sense of self-protection and are lucky about the risks that may occur during the travel process. " Shuang Lee, manager of group business department of Jinan Branch of Xinhua Life Insurance, thinks.

According to relevant regulations, travel agency liability insurance has become compulsory insurance, but it is no longer necessary to buy travel accident insurance for tourists. Because it is up to tourists to decide whether to buy accident insurance or not, and tourists are unwilling to pay for it themselves, although the number of tourists is increasing, the number of people buying travel accident insurance is greatly reduced. It is said that during the Spring Festival this year, the number of tourists nationwide reached 63.29 million, but few people bought travel accident insurance alone; In the past "Eleventh" Golden Week, few tourists voluntarily bought travel accident insurance.

"In fact, there are two types of travel insurance: travel agency liability insurance and travel accident insurance. The two are basically two different things. In the quotation of the travel agency, the travel agency liability insurance is clearly listed, which makes many tourists mistakenly think that the travel agency liability insurance is attached with the insurance liability of tourists' accidents.

"Shuang Lee said," if tourists buy travel accident insurance, once an accident occurs during the trip, tourists who are in charge of the travel agency can get double indemnity; Even if the tourists themselves are responsible, they can get compensation from the insurance company. At present, the maximum compensation for domestic travel is 654.38+10,000 yuan to 300,000 yuan, and the maximum compensation for overseas travel is 300,000 yuan to 500,000 yuan. "

Experts believe that for those who have handled the annual accident insurance, the rate of short-term travel accident insurance is higher, so they can not buy it from the perspective of saving money. The travel accident insurance introduced by many insurance companies is often more targeted. A person's usual accident insurance can pay 65,438+million, but travel accident insurance costs 200,000. Moreover, in the travel accident insurance, special compensation agreements such as "travel delay" and "lost luggage" have been introduced, which cannot be covered by general insurance.

The scenery should be long and open-minded.

Although China Life Insurance, China Ping An and other insurance companies have introduced travel accident insurance, at present, travel accident insurance is a kind of insurance with high security and low premium for tourists, but it is still a small insurance with low profit for insurance companies.

"A travel accident insurance policy, the income of the insurance company is only about 20 yuan, and selling a life insurance policy is several thousand yuan. Moreover, travel insurance is risky and concentrated. "

Manager Zhang of Jinan Branch of Taiping Life Insurance said, "This is the fundamental reason why many insurance companies are unwilling to invest too much energy in travel accident insurance."

It is understood that in addition to some insurance companies paying insufficient attention to travel accident insurance, the terms of travel accident insurance are relatively simple, and tourists have relatively few choices. In particular, the imperfect follow-up services of some insurance companies have also affected the sales of travel accident insurance.

"Facing the embarrassing situation of the travel accident insurance market, it is the only choice for insurance companies to continuously broaden insurance channels and commit themselves to product innovation and marketing innovation." Manager Liu Jun of Jinan Branch of China Ping An Life Insurance Company of China Insurance Company said: "Last month, Ping An Life Insurance Company of China Insurance Company of China joined hands with EuroAlarm and EuroCenter, which are controlled by Munich Reinsurance Group, to launch emergency medical insurance for safe overseas travel. This product breaks through the traditional insurance product's operation mode of "paying first, then paying claims". Customers can contact Eu-roAlarm in case of accidents abroad, and the relevant expenses will be paid directly by Ping An through Eu-roAlarm to ensure that customers can get effective rescue in the first time. And can provide corresponding value-added services according to the special needs of customers. "

These figures are very attractive. We have reason to believe that the future of travel accident insurance will no longer be embarrassing.