我国旅游保险市场现状探析

Probe into Current Situation of Travel Insurance Market in China

近年来,我国旅游业快速发展,旅游人数规模巨大,旅游中自然灾害、意外事故、法律风险和违约责任等风险日益突出,迫切需要保险保障。由于多种原因,我国保险业为旅游者提供的旅游保险严重滞后于旅游业的发展,也将成为旅游业进一步发展的制约因素。本文对国内旅游保险的发展现状进行了分析,对今后旅游保险的创新提出了对策。

Recently,with the rapid development of tourism industry and the huge number of tourists,the risks in the whole tourism activities such as disasters,accidents,legal risks and the responsibilities of breaching the contract occurs frequently.Insurance is urgently needed. The development of tourism insurance lags behind that of tourism industry for many reasons,which will restrict the further development of tourism industry. This article introduces and analyzes the development of tourism insurance in China,and then, provides the direct basis for tourism insurance innovation.