What is the difference between travel accident insurance purchased by individuals and liability insurance purchased by travel agencies?

I. Legal provisions

1. According to Article 61 of the Tourism Law, travel agencies should remind tourists who take part in group tours to take out insurance in personal accident insurance according to the regulations.

2. Article 2 of the Measures for the Administration of Travel Agency Liability Insurance stipulates that travel agencies legally established in the People's Republic of China shall take out travel agency liability insurance in accordance with the Travel Agency Regulations and these Measures. The term "travel agency liability insurance" as mentioned in these Measures refers to the insurance whose subject matter is the compensation liability that the travel agency should bear for the tourists and the tour guides or tour leaders appointed by the travel agency to provide services for the tourists according to law.

II. Case analysis

(I) Classification of travel insurance

At present, there are two main types of travel insurance related to group travel of travel agencies in China, namely, travel agency liability insurance and travel accident insurance. These two types of insurance have different meanings for travel agencies and tourists, and protect the rights and interests of travel agency tourists from different aspects. Travel agency liability insurance is compulsory insurance, which is purchased by travel agencies, while travel accident insurance is arbitrary insurance, which is purchased by tourists themselves. Of course, in addition, tourists can also choose other types of personal and property injury insurance according to their own needs. In practice, travel agencies often reach an agreement with insurance companies to package travel agency liability insurance and tourist accident insurance and buy them together; Another way is to buy comprehensive travel insurance directly. Practically speaking, buying packaged insurance products or comprehensive travel insurance products is both affordable and convenient, which is welcomed by travel agencies, but legally speaking, whether such sales and purchase methods conform to the norms is still worth discussing.

(II) Travel Agency Liability Insurance

The applicant of travel agency liability insurance is the travel agency, and the direct beneficiary is also the travel agency. When the travel agency's operation is at fault, causing personal and property damage to tourists, and the travel agency needs to bear the liability for compensation, the insurance company will bear the liability for compensation to tourists, and the travel agency does not need to pay extra compensation by itself. In short, travel agency liability insurance is the insurance that travel agencies buy for their own faults, that is, paying for their own faults. There are some problems in travel insurance when travel agencies promote travel routes:

1. When salesmen promote travel products, they are either unclear about the role of liability insurance for travel agencies, or intentionally do so. When selling to the outside world, they simply tell tourists that the travel agency has handled insurance, without introducing the true meaning of liability insurance, which leads tourists to mistakenly think that the insurance purchased by travel agencies covers all insurance, and tourists do not need to buy another insurance themselves. As in the above case.

2. Travel agencies don't agree with travel agency liability insurance. A few travel agencies agree that it is a waste of money to apply for liability insurance for travel agencies in order to complete the tasks stipulated in the Travel Agency Regulations, and their travel agencies never have accidents. Therefore, in the specific liability insurance, only the liability insurance with the lowest premium is selected, the purpose is not to be investigated for administrative responsibility by the tourism authorities, and there is no awareness of the significance and role of liability insurance.

3. Travel agencies do not pay special attention to the limit of medical expenses. For the death of tourists, liability insurance usually has a high amount of compensation, while the amount of tourists' medical expenses is very low, which leads to the lack of medical expenses when tourists need medical treatment because of the responsibility of travel agencies, and it is difficult to protect the rights and interests of tourists, and finally the travel agencies will bear it directly. In this way, the feeling of travel agencies is that liability insurance doesn't work, and they don't reflect on their own insurance practices. < ? XML:NAMESPACEPREFIX=O/>

second, travel accident insurance. The applicant of travel accident insurance should be a tourist, and the beneficiary is also a tourist. The Detailed Rules for the Implementation of Travel Agency Regulations stipulates that travel agencies can recommend accident insurance to tourists, which is an arbitrary norm, not a mandatory norm like travel agency liability insurance. The Tourism Law has made a clear amendment to this, requiring travel agencies to recommend travel accident insurance to travel teams. This amendment is more in line with the actual needs of travel insurance.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.