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中国旅游保险市场存在较大发展空间,但旅游保险产品和服务仍需完善,应加强旅保合作,完善保险监管体系。当前我国公民旅游保险意识不断增强,但旅游意外险购买率较低。国家旅游局调研显示,中国游客主动购买旅游保险尚不足3%,绝大部分出游者处于无险状态。专家学者与保险业人士指出,相关保险服务仍需完善,如何防范和化解旅游风险,已成为旅游产业健康发展的关键问题。
China’s tourism insurance market has a lot of room for development. However, tourism insurance products and services still need to be improved. Travel insurance cooperation should be strengthened to improve the insurance regulatory system. At present, the awareness of citizens in our country’s tourism insurance is continuously increasing, but the purchase rate of travel accident insurance is relatively low. National Tourism Administration survey shows that Chinese tourists take the initiative to purchase travel insurance is less than 3%, most tourists are at risk-free status. Experts, scholars and insurance professionals pointed out that related insurance services still need to be improved. How to prevent and resolve tourism risks has become a key issue for the healthy development of tourism industry.