我国旅游人身意外保险的发展研究我国旅游人身意外保险的发展研究.docVIP

摘 要 随着我国居民生活水平的提高，旅游活动被普遍接受，同时越来越多的人注重自身在旅游过程中的人身安全。因为我国人口较多，旅游活动常常表现为流动人群多、游客分散性大等特点。在这种背景下，我国旅游活动中的风险就不容易规避，人身意外伤亡的事件时有发生，于是人们开始热切关注如何转移旅游人身风险的问题。由于我国人口基数大，人们生活水平提高，我国已经成为旅游大国，社会各界都在热烈支持我国旅游业的发展，然而旅游规模不断扩大、旅游业关联度高和旅游者出游方式的日趋多元化使得中国旅游业在发展过程中面临的风险愈发复杂。近年来，随着游客逐步向散客化方向发展，旅游安全监管和服务难度逐步加大。旅游过程中的人身风险逐步增加，旅游安全事故和旅游纠纷频发，游客和旅行社对旅游人身意外保险的需求愈发强烈。中国旅游人身意外保险的快速发展，可以促进旅游业和保险业的双重发展，促进中国经济的整体发展。因此，为促进中国旅游业、保险业、乃至整个中国经济的发展，我们应着力探求应对旅游人身意外保险存在问题的对策。 关键词：旅游；保险；人身意外；发展 ABSTRACT With the popularization of travel activity and the maturity of peoples consumption idea, more and more tourists begin to pay attention to the issues of safety during their travel. During peoples travel, they face high risk and the accidents of casualties, diseases emerge in an endless stream due to the travel activitys characteristics of strong flow ability, large dispersion and local differences, people are paying close attention to the issues of how to shift off or transfer the risks on there outward journey, so the various risks must be dispersed or shifted off with an effective way. Developing the business of travel insurance is the proper means to solve this problem. The tourism industry is a high-risk industry. The high-speed development of tourism requires the safeguard of travel insurance. As a big and strong country on tourism, China has made vigorous development on tourism. The increasing expanding of tourism scale, high relevancy of tourism, and diversity of ways to travel made the risk faced by the tourism industry more complicated. In recent years, with the more and more individual development trend of the tourists, the safety supervision and service has been more difficult. The risk of tourism becomes more and more complicated, accidents and disputes have been taken place frequently. The development of travel insurance in China could promote the development of the tourism industry and the insurance industry. Therefore, in order to promote the tourism, insurance and eco