Question: What happened to the travel agency liability insurance?
Travel agency liability insurance has been introduced for more than two years, and there have been different voices. Some travel agencies think that the insurance company's service is not in place, the insurance policy is very good, and the promise is simple. But once something goes wrong, it is very difficult to claim compensation, so I found many reasons to avoid paying for this and that. The core focus of travel agency liability insurance is the word "responsibility". If something goes wrong, first talk about responsibility, then talk about compensation, so there is another process of wrangling with each other. In particular, an intermediary service provided by travel agencies involves all aspects of eating, living, traveling, traveling, shopping and entertainment, including hotels, restaurants, scenic spots, aviation, railways, automobiles, cruise ships and other service providers. But in fact, few travel agencies undertake direct services, but if something goes wrong, tourists will inevitably look for travel agencies, and it will take a lot of trouble to finally determine who is responsible. Therefore, many travel agencies feel that liability insurance is not easy to use.
The scope of liability insurance claims is not clear, and it is considered that the insurance clauses provided by insurance companies are not clear in determining the scope of liability, and there are still overlapping or overlapping phenomena in dividing the scope of liability and exemption, which leads to contradictions and differences in understanding. In fact, the problem that travel agency risks cannot be passed on through insurance also makes it easy for insurers to evade insurance responsibilities and refuse to make claims. For example, in the travel agency liability insurance policy provided by an insurance company, it is agreed that the travel agency shall bear the insurance liability, but at the same time, it is stated that "the quality of the insured's travel service does not meet the standards stipulated by the state, industry or contract", and the insurer shall not be liable for claims. Travel agency services mostly fail to meet national, industry or contract standards due to negligence or negligence, resulting in damage to tourists, which should be within the scope of insurance liability. And if the service quality provided by the travel agency has reached the national, industry or contract standards, the travel agency will have no responsibility. From this, there is a saying that the liability insurance bought by travel agencies is zero, which wastes money.
The compensation scope of liability insurance is narrow. After the travel agency takes out the liability insurance, it is not an accident that the travel agency is responsible for, because there are many exclusions that cannot be compensated. To solve this problem, travel agencies can only mobilize tourists to buy personal accident insurance, or travel society can buy personal accident insurance for tourists, especially some high-risk tourism projects, so travel agencies can only buy another personal accident insurance for tourists, which increases the operating costs of tourism enterprises, but travel agency liability insurance does not completely solve the problem of business risk transfer of tourism enterprises.
There is fierce competition among insurance companies, which attracts travel agencies to take out insurance by drastically reducing premiums, and then refuses to claim compensation on the grounds that it is not the responsibility of the travel agency after the accident. A liability accident often involves many travel agencies, such as travel agencies and land agencies. It is also a question which travel agency the insurance company will insure, and the insurance company will often refuse on this issue. The basis of claims is not uniform, the amount of claims is flexible, and there is a lack of strict claims procedures and pre-compensation standards, which are often decided by insurance companies.
Positive effect. Generally speaking, travel agency liability insurance has improved the travel insurance system, defined the scope of responsibility of travel agencies, tourists and insurance companies, straightened out the legal relations of all parties, and protected the legitimate rights and interests of travel agencies and tourists, which has been recognized and accepted by the travel agency industry. In the process of implementation, travel agencies have a further understanding of liability insurance and realized the positive role and significance of liability insurance. First of all, travel agencies generally agree that the mainstream practice of liability insurance in the past two years is good. In most cases, insurance companies, especially those whose compensation amount is less than 654.38+10,000 yuan, can make timely claims according to the national insurance clauses, thus resolving the risk crisis faced by travel agencies. In addition, the travel agency industry generally recognizes that the starting point of travel agency liability insurance is based on the maintenance and protection of travel agency enterprises and tourists. It can not only transfer the responsibility risk of travel agencies, expand the protection of travel agency interests, but also enhance the strength of travel agency enterprises.
Insurance companies believe that travel agency liability insurance is more beneficial to tourists, while travel insurance premium is too low and the amount of claims is too high, so it is normal that the quality of insurance services is not good, and insurance companies naturally will not pay too much attention to this business; It is difficult to identify the responsibility, there is no arbitration organization for the responsibility, and the litigation court is too troublesome, which is easy to cause contradictions between travel agencies and insurance companies. For example, whether the damage caused by stolen goods, injuries and free going out after staying in hotels belongs to the scope of travel agency liability insurance claims. In addition, in order to allow travel agencies to take out liability insurance, insurance companies do not hesitate to reduce costs and prices, which will easily lead to chaos in the insurance market, and it is more difficult to ensure the service quality after taking out liability insurance.
The second question: Why should liability insurance be introduced?
The National Tourism Administration has a good intention to protect the interests of tourists. After the Qiandao Lake incident, the National Tourism Administration made every effort to study how to use insurance to protect the interests of tourists. First, travel agencies are required to buy travel accident insurance for tourists. Once tourists are injured or killed during the trip, they have good economic security. After the implementation of travel accident insurance for a period of time, with the development of the market, the compulsory nature of travel accident insurance has been questioned, because according to domestic and foreign insurance practices, personal insurance is voluntary, and only public interest and safety liability insurance can be compulsory. In addition, the insurance law stipulates that China's property insurance and life insurance companies operate separately, and travel accident insurance is underwritten by life insurance companies, so travel accident insurance can't bear the heavy responsibility of paying tourists' luggage and other property losses. In addition, tourists get compensation through accident insurance after they get out of danger. If the travel agency is responsible for the accident, tourists can still claim compensation from the travel agency. With the enhancement of tourists' awareness of rights protection, this problem is becoming more and more prominent. In order to fundamentally safeguard the interests of tourists and tourism enterprises and ensure the healthy and stable development of the tourism industry, the National Tourism Administration began to conduct in-depth research work from 1999, solicit opinions from the CIRC, communicate with insurance companies, and have discussions with local tourism bureaus, tourism enterprises and tourists to solicit opinions extensively. Finally, on 200 1, travel agency liability insurance met the world, and various insurance companies successively introduced specific terms of liability insurance. It should be said that travel agency liability insurance has indeed solved several problems faced by the above-mentioned travel accident insurance. By forcing commercial entities to buy liability insurance, this is in full compliance with international and domestic insurance practices. At the same time, because the travel agency's operating responsibility is directly insured, it avoids the situation that tourists claim liability compensation from the travel agency after obtaining insurance compensation, which means that the interests of tourists are protected and the risk of operating responsibility of the travel agency is passed on. Practice has also proved this point. Most liability accidents of travel agency enterprises are basically settled through travel agency liability insurance. In addition, in order to protect the personal interests of tourists, the National Tourism Administration also requires travel agencies to recommend travel accident insurance to tourists during group tours. At the same time, we have been trying to explore and study how to improve the travel insurance market and coordinate with various insurance companies, hoping to see the birth, development and perfection of many travel insurances such as hotel liability insurance, scenic spot liability insurance, special travel insurance, drifting safety insurance, comprehensive travel insurance and travel emergency rescue insurance in the insurance market as soon as possible. Sometimes I think about it, it seems that insurance companies are more active than us, more concerned about launching new types of insurance and attracting customers with better services. As buyers, we must consider this and that for the stable development of the tourism market. Imagine if there were a wide variety of insurance products in our travel insurance market and a variety of insurance types and insurance companies to choose from during a trip, then as "God", we wouldn't be at a loss every day like now!
The third question: Is there a problem with the order of National Tourism Administration 14?
It should be said that the historical significance of the order of National Tourism Administration 14 mainly lies in requiring all travel agencies to take out travel agency liability insurance, and also stipulating the minimum insurance amount to protect the interests of tourists and travel agencies. Some people may ask, doesn't the 14 order also stipulate a lot of insurance contents? In fact, the specific content of insurance still depends on the specific insurance contract provided by the insurance company. 14 directive does not have much binding effect on insurance companies. Therefore, many contents in insurance contracts of insurance companies are quite different from those in 14. For example, Order 14 does not stipulate the precondition of liability for "fault or fault of travel agency", but all insurance companies do. In addition, many people think that while implementing the travel agency liability insurance, the National Tourism Administration cancelled the personal accident insurance for tourists, which is incorrect. The National Tourism Administration cannot cancel a kind of insurance, and the order 14 only stipulates that "the Interim Provisions on Travel Agency Handling Travel Accident Insurance issued by the National Tourism Administration in May 1997 shall be abolished at the same time". Its essential significance is to cancel the mandatory requirements of travel accident insurance, not to say that it has been cancelled. This is a matter for insurance companies, and now travel accident insurance on the market also exists normally! In this regard, the starting point and practical significance of the National Tourism Administration 14 Order are very positive, which is an important guarantee for the interests of tourists and travel agencies. Some problems in the market are not the fault of order 14.
Four questions: Is liability insurance not covered?
Some people say that travel agency liability insurance is not insured, because it was discovered after the accident that liability insurance is often not compensated. What is the actual situation?
First, let's look at the liability insurance itself. With liability insurance, it seems that everyone is psychologically relieved. Tourists think that your travel agency is insured, so you don't have to insure yourself. The travel agency thinks I can take out liability insurance with confidence. It's not that simple. Insurance companies are only liable for compensation within the scope of the contract. But high-risk projects, war or similar acts of war, intentional acts, spiritual compensation, illegal acts, items with uncertain value, etc. , which is not covered by travel agency liability insurance. In addition, the premise for tourists to get compensation from insurance companies and travel agencies must be the damage caused by the travel agency's responsibility, and the insurance company will not compensate for the damage caused by tourists themselves. Also, according to the insurance clauses of most insurance companies, it is difficult for insurance companies to pay for the losses caused by non-negligence or negligence of travel agencies. None of this is the cause of travel agency liability insurance itself. As a liability insurance, according to the law and relevant insurance regulations, it must be like this. It can be said that it is completely legal, reasonable and reasonable. It is largely because of ignorance of liability insurance in advance that travel agency liability insurance is not insured.
In addition, the lack of insurance products in the current travel insurance market actually makes a small liability insurance bear the heavy responsibility of the whole travel insurance, which is really a small horse-drawn cart and unbearable. Tourism includes all aspects of "eating, living, traveling, shopping and entertainment", and it is a large market with wide coverage and strong comprehensiveness. Naturally, all kinds of travel insurance are needed to protect all aspects of tourism, and travel agency liability insurance is only one of the most basic types of insurance. Compulsory travel agency liability insurance is only the most basic guarantee for tourists and travel agencies, and it is impossible to cover everything. However, everyone's requirements for it are too high. ! Of course, the important reason for this misunderstanding is that there are too few types of insurance in our travel insurance market. Only travel personal accident insurance, travel safety life insurance, travel emergency rescue insurance, etc. It is far from meeting the needs of tourism development, nor can it accommodate all kinds of risks encountered by tourists in tourism, let alone meet the needs of tourists at different levels. Besides compulsory travel agency liability insurance, other travel insurance is purchased voluntarily by tourists or tour operators. The lack of insurance awareness and poor publicity by insurance companies make these travel insurances have a very small share in the market. Travel agency liability insurance has naturally become a kind of insurance with high expectations, but in fact it is even more impossible to cover all kinds of risks existing in tourism. If these risks are expected to be borne by travel agency liability insurance, it must be a small horse-drawn cart, and naturally some people will say no.
Five questions: Do you pay for traffic accidents?
A traffic accident may be the most risky accident for travel agencies, and a traffic accident may lose nearly one million or more. It is also fatal to tourists. Originally for enjoyment, it turned out to be a road to disaster. Then, if a tourist participates in a tour organized by a travel agency and a traffic accident occurs, it is finally ruled as a traffic accident. Is the person responsible for the traffic accident or the travel agency to pay for it? Does the travel agency liability insurance include this content? This seems to be the most difficult question to answer, and there are various cases in real life. A tour group organized by a travel agency in Guangdong had a traffic accident on the way, and the court ruled that the travel agency should bear nearly 3 million yuan in compensation liability. A tour group of a travel agency in Sichuan also had a traffic accident. The first instance ruled that the travel agency compensated 1.88 million yuan, and the second instance ruled that the travel agency was not liable for compensation. A tour group organized by a travel agency in Beijing had a traffic accident in Shandong. The general principle of insurance companies is that if the court decides that the travel agency is liable for compensation, the insurance company will basically compensate. However, there is another situation. In the trial of a tourist traffic accident, as the third party in the lawsuit, the court ruled that the insurance company would not compensate, which was confusing. It's also a traffic accident. How can the result be completely different?
In fact, it doesn't matter who says this question. Only the law is the most authoritative. Then why are the judgments of different courts on the same matter completely different? In fact, it reflects the basic principle of a law, namely "concurrence of liability for breach of contract and liability for tort" in the contract law:
The same illegal act meets the constitutive requirements of both liability for breach of contract and tort liability, and both liability for breach of contract and tort liability can be established at the same time. However, because both liabilities are based on compensation for losses, the creditor can not make double demands, but can only claim one of them to prevent it from getting unjust enrichment. This phenomenon is called "concurrence of liability for breach of contract and liability for tort".
In the service consumption contract, according to the provisions of the Consumer Protection Law, the service provider should ensure the personal safety of consumers, which is a breach of contract clause. If the service provider can't guarantee it, it will constitute a breach of this breach of contract and a breach of contract. In tourist traffic accidents, tourist vehicles transport tourists, resulting in personal injury and death of tourists. According to the basic principles of the General Principles of Civil Law, this is another kind of infringement on tourists. So in this way, traffic accidents are often the responsibility of vehicles, neither the responsibility of tourists nor the poor care of travel agencies. However, the court held that the travel agency violated the "security guarantee" clause in the contract, and the travel agency also assumed no-fault liability. Of course, this is just an opinion.
Does the travel agency assume no-fault liability? Many people are talking about this problem, but it is difficult to draw a conclusion. According to the provisions of the General Principles of Civil Law on no-fault liability, service enterprises such as travel agencies are not among them, but the Consumer Protection Law does give service providers the obligation of "safety guarantee", which should be said to be a problem worthy of our study.
Of course, whether the travel agency bears the responsibility in traffic accidents, as the coverage of travel agency liability insurance, whether the insurance company can compensate is very important. Decree number. The National Tourism Administration 14 stipulates that "the travel agency liability insurance mentioned in these Provisions refers to the behavior that the travel agency pays the insurance premium to the insurance company according to the insurance contract, and the insurance company is responsible for the personal and property damage caused by the travel agency in its tourism business activities, and is also liable for compensation for the insurance premium." Theoretically, if the court decides that the travel agency should bear legal responsibility, the insurance company should pay. Of course, if the travel agency is intentional, the insurance company will not compensate. This is the usual practice! The insurance clauses of insurance companies are written as follows: "This insurance is responsible for compensating the following economic losses suffered by domestic and foreign tourists due to the negligence or negligence of travel agencies, as well as the economic compensation responsibilities that should be borne by travel agencies according to law." In other words, there is an important difference. According to the original intention of the order number National Tourism Administration 14, the insurance company should compensate all the legal liabilities awarded to the travel agency by the court, but the insurance clauses of the insurance company only compensate the liability compensation caused by the fault or negligence of the travel agency. In the case mentioned in the above case, the insurance company may not pay compensation. This greatly reduces the amount of claims for travel agency liability insurance.
What kind of "responsibility" does the travel agency bear?
Travel agency liability insurance makes us have to consider the most basic question, that is, what responsibility the travel agency bears. So far, this question has not reached the most authoritative or convincing conclusion. An important reason is that we lack the Tourism Law, and there is no clearer and more specific legal provisions on the responsibility of travel agencies.
There are provisions in the Regulations on the Administration of Travel Agencies, but they are not specific. According to the regulations, travel agencies refer to enterprises engaged in tourism business for profit. The so-called tourism business refers to the business activities of handling exit, entry and visa procedures for tourists, attracting and receiving tourists, arranging accommodation for tourists and other paid services. According to the Regulations on the Administration of Travel Agencies and the Detailed Rules for the Implementation of the Regulations on the Administration of Travel Agencies, it is mainly divided into several parts:
The services of travel agencies should be mainly divided into two parts: agents and tour guides (including luggage and self-arranged vehicle services). ), its legal status should also be agent and tour guide provider (in a broad sense). In fact, transportation, scenic spots, accommodation, food, shopping, entertainment and so on are not the products of the travel agency itself. The services provided by travel agencies in these aspects are only to buy air tickets, tourist tickets and boat tickets for tourists and to book hotels and guesthouses on their behalf. An important content of the travel contract is actually to entrust the above specific affairs to the travel agency (such as routes, etc.) according to the recommendation of the travel agency. ), and the travel agency only assumes the responsibility of the agent in this process. For example, when a travel agency organizes a tour, it should be clear about the agency responsibility of the travel agency and the responsibility of the tour guide provider, and it cannot be generalized. As for the tax case, should the travel agency bear the responsibility for the traffic accident of the car rented by the travel agency and the delay of the booked plane and train? It should be clear that as long as the travel agency fully meets the safety and service standards of various countries and industries, it should be said that it has fulfilled its obligations as an agent, and the owner should bear all the responsibilities; If the travel agency is really at fault in the process of renting a car, it should bear corresponding legal responsibilities according to the fault. The same is true of the delay in booking planes and trains. Travel agencies are also agents. Generally speaking, travel agencies will not be at fault in this process, and civil aviation and railway departments should provide compensation liability. For example, according to the agency provisions of the General Principles of the Civil Law, travel agencies purchase or book air tickets (real names of air tickets) in the name of tourists, and the resulting civil liabilities shall be borne by the clients, namely tourists. If it is the responsibility of a third party (airline), it should be borne by the third party according to law. The same is true for trains, hotels, scenic spots and restaurants. Of course, this is just a personal opinion, not mature. This problem cannot be discussed here.
Question 7: What are the domestic travel insurances?
At present, in addition to travel agency liability insurance, the domestic travel insurance market mainly includes travel accident insurance, travel rescue insurance, travel-to-personal accident insurance, and personal insurance for lodging tourists.
Travel accident insurance has been mentioned above.
Travel assistance insurance is a kind of insurance generally provided by domestic insurance companies. Visitors can call for free assistance no matter where they are in danger at home or abroad. Accidental injury insurance mainly provides risk prevention services for tourists when they travel by means of transportation. 5% of the tickets and boat tickets purchased by tourists are used for insurance, and the coverage of each insurance is 20,000 yuan, including medical accident 1 10,000 yuan. The insurance period begins with check-in, boarding or disembarking.
Visitors who take part in adventure tours and adventure tours had better take personal accident insurance. The premium of this kind of insurance is 1 yuan, and the maximum coverage can reach 1 ten thousand yuan. Each tourist can purchase the insurance of 10 at most. During the insurance period, tourists purchase insurance and enter tourist attractions and scenic spots until they leave.
Personal insurance for lodging tourists is per copy 1 yuan, and the insurance period is from the date of lodging 15 days. The warranty can be renewed after expiration, and each visitor can purchase multiple copies. The protection provided by this kind of insurance mainly includes 5,000 yuan for lodging passengers, and 1 1,000 yuan for lodging passengers, and accidental damage or theft, robbery or loss of passengers' property in 200 yuan.
At present, the market of these types of travel insurance is still very small, which can't be compared with the booming tourism market.
The basic information of the main types of travel insurance provided by insurance companies is as follows:
People's Insurance Company of China: Travel with us-accident insurance for vehicles, personal accident insurance for tourist attractions and entertainment places, annual insurance for aviation accidents and accident insurance for accommodation passengers.
China Life Insurance Company: aviation accident insurance, personal travel accident insurance of China Life Insurance, group travel accident insurance of China Life Insurance, personal accident insurance of tourist attractions and entertainment places of China Life Insurance, and passenger safety insurance of China Life Insurance.
Taikang Life Insurance Company: group travel rescue insurance, Jishun short-term accident insurance, Changshun one-year accident insurance, Kangshun short-term accident insurance, Top Ten rescues, Shunzhi short-term accident insurance+rescue+emergency.
Pacific Insurance Company: Jun 'anxing Personal Accident Insurance, Air Passenger Accident Insurance, Tourist Attractions (Entertainment Places) Personal Accident Insurance and Century Bank Protection Card.
Ping An Insurance Company: Ping An Aviation Accident Insurance and Ping An Travel Accident Insurance.
Jinsheng Life Insurance Company: Jinsheng Travel Accident Insurance.
AIA Insurance Company: AIA Travel Accident Insurance, AIA Overseas Travel Accident Insurance.
Question 9: Where is the root of the problem?
1. This is determined by the characteristics of liability insurance. The core focus of liability insurance is the word "responsibility". If there is a problem, it is necessary to discuss the reasons before making compensation, while accident insurance depends on the results, and claims will be made as long as there is a problem. If something goes wrong, tourists must find a travel agency, whose services include hotels, restaurants, scenic spots, aviation, railways, cars, cruise ships and other service providers. In this way, who is right and who is wrong, it is logical for you to come and go, and it will take some trouble to finally determine who is responsible. So many travel societies feel that liability insurance is not easy to use.
2. The imperfection of insurance market is the fundamental reason. First, the travel insurance market is not perfect. Tourism involves a wide range and needs all kinds of travel insurance to protect it. But at present, travel insurance products are very scarce, and travel agency liability insurance is only one of the most basic types of insurance. Compulsory travel agency liability insurance is only the most basic guarantee for tourists and travel agencies. It is impossible to cover everything. Let the travel agency liability insurance bear the responsibility of the whole travel insurance, and expect all the risks of travel to be borne by the travel agency liability insurance. It must be a small horse-drawn cart, which is unbearable and will naturally say that it is not safe! The second is the imperfection of the whole insurance market. In China's insurance market, insurers are mainly state-owned, and their service awareness and level are poor. When taking out insurance, they say all kinds of nice things and take out insurance through all kinds of formal and informal channels. After the accident, the service couldn't keep up, and they found many reasons to refuse to pay the claim. In addition, the overall insurance awareness in China is poor, and few tourists take the initiative to buy insurance.
3. Some problems in tourism are the inducement. Travel agencies lack careful selection of insurance companies and detailed analysis of insurance contracts, do not understand liability insurance, and think that they will pay for everything, and lack clear instructions for tourists, which leads tourists to think that they will pay for everything. Tourists' awareness of taking the initiative to buy insurance is not strong, and few people take the initiative to buy other insurance except travel agency liability insurance. Without the Tourism Law, the legal status and responsibilities of travel agencies are not clearly defined. After getting out of danger, they expressed their opinions and wrangled with each other.
4. Poor arbitration and mediation. The tourism system lacks authoritative arbitration and mediation institutions and has no initiative in resolving disputes. However, China's judicial system is not perfect, and human factors are still great.
Ten questions: What should we do?
1. Not to cancel the travel agency liability insurance, but to improve it. Under the imperfect insurance market in China, travel agency liability insurance is at least the basic guarantee for the interests of tourists and travel agencies. Cancelling travel agency liability insurance will inevitably affect tourists, travel agencies and even the tourism industry, and insurance companies may not be affected at all because of institutional problems. The only way is to perfect it.
We have coordinated with insurance companies many times, and PICC is studying whether to include traffic accidents in insurance coverage, pay in advance after distress, and subdivide insurance clauses. In addition, the real right part of the new civil code may have a clear stipulation on the responsibility of traffic accidents, so that the responsibility of tourist traffic accidents will be more clear. Compared with insurance companies, travel agencies should be said to be in a weak position, so they must help travel agencies in various ways.
2. Promote the marketization of travel insurance, enrich other travel insurance, and reduce the burden of travel agency liability insurance. Insurance is very important to tourism, which is the guarantee for the recovery, revitalization and stable development of tourism, and also an important financial guarantee for tourism safety. As a competent department, we should actively promote the marketization of tourism insurance from the perspective of protecting the interests of tourism enterprises and tourists and promoting the development of tourism, and put forward industry requirements for insurance companies to choose. In the near future, it is planned to invite representatives of various insurance companies in Beijing to hold a forum to exchange industry requirements with them and guide them to strengthen the development of travel insurance.
3. Do a good job in the pilot work and promote insurance to escort the development of tourism. In the next step, we should choose the provinces with more developed tourism as the pilot, improve the liability insurance of travel agencies, enrich all kinds of travel insurance, and explore new ideas of promoting tourism recovery and revitalization, tourism market security and order guarantee with travel insurance.
4. Increase publicity. The current situation of travel insurance has a lot to do with insufficient publicity. First, through the media, publicity meetings, training and other means, increase the publicity of travel insurance such as travel agency liability insurance, let tourists know about travel insurance, and guide tourists to actively protect their own safety and related interests. Second, tourism enterprises should strengthen publicity, and travel agency enterprises should inform tourists of the risk factors in the process of traveling, which can not only encourage tourists to buy insurance, but also clarify the role of travel agencies in the reception process. Third, insurance companies should do a good job in publicity. It goes without saying that in order to occupy the market, insurance companies must publicize tourists and tourism enterprises.
Insurance companies should improve their insurance methods and service levels. At present, many travel accident insurance still only sells group insurance, not for individuals who travel by themselves. According to relevant data, 80% of the people who travel abroad are self-help tourists, and these tourists are basically in an unsafe state. This means that the limited insurance method will shut out a considerable customer base. This is far from the people-oriented service model in Hong Kong and Macao. In fact, on the other hand, people-oriented is the increase in the profits of insurance companies. Why not do win-win things? In addition, the service level of insurance companies must also be improved. Nowadays, there are more and more criticisms of insurance companies, and we must change the bad impression that we say all kinds of good things when we apply for insurance and make things difficult when we settle claims.
6. A preliminary study on the concept of tourism arbitration. Through the investigation of various provinces, autonomous regions and municipalities directly under the central government, many regions have mentioned the suggestion of setting up or selecting specialized arbitration institutions to reduce litigation costs and unpredictability. In fact, tourism arbitration or mediation is not necessarily infeasible. In fact, tourism associations or other organizations can play a role in this respect, and we can study and certify them to explore their feasibility and practical operation.
7. Try to clarify the legal responsibility of tourism enterprises. In the absence of tourism law, the legal status of tourism enterprises should be clarified through judicial interpretation, local tourism regulations and other efforts.
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