旅游保险发展中的问题与对策

伴随着我国旅游市场的繁荣,旅游风险事故的发生率明显上升。面对旅游保险发展滞后的现实,通过宏观和微观采取一系列举措,发挥旅游行政管理作用、实现国有保险公司经营管理体制的转换、构建旅游保险产品体系、扩大旅游投保渠道、完善旅游保险产品售前和售后服务、加大旅游保险产品的宣传力度,从而促进旅游保险规范经营和健康发展,为旅游者分散风险和分摊损失,为旅游企业正常经营和持续发展提供保障条件。

Problems and Countermeasures in Tourist Insurance Development

With the prosperity of the tourist market in China,tourist risk accident rate has obviously risen.In view of the reality of the backward tourist insurance,the author analyzes the official tourist management functions and put forward a series of measures for realizing the transfer of the state-run insurance company system,building the tourist insurance product system,enlarging the channels of tourist insurance,and perfecting the services of the insurance products,so that the tourist insurance can be managed in a normal way and developed healthily.Thus tourists can reduce the risk and the tourist enterprises can be managed normally and developed in a sustainable way.