论旅游保险的现状与创新

2005年，我国入境旅游、出境旅游和国内旅游均快速增长，已成为全球第五大旅游国，旅游市场壮大的同时，风险保障必不可少。由于多种原因，我国保险业为旅游者提供安全保障的旅游保险严重滞后于旅游业的发展，将成为旅游业进一步发展的制约因素。发展旅游保险，应加大宣传力度，整顿与规范旅游保险市场，开发旅游保险新产品，健全销售体系，积极探索提升保险附加值的有效途径及纠纷处理多元化机制。

In 2005, with the strong growth of tourism, China has become the fifth largest tourism country. In the course of fast growth, the demand for travel insurance is also increasing. Due to various reasons, China＇ s travel insurance is still quite undeveloped in contrast with the fast growth of tourism, which restricts tourism＇s further developments. To promote Chlna＇s travel insurance, we should focus on upgrading publicity, regulate travel insurance markets, develop new travel insurance products, perfect marketing systems, seek effective ways to enhance insurance value-added and establish multi-mechanisms for dispute resolution.