Liability insurance, national security travel agency, lightly loaded

[May Point Network] Since the New Year's Day, the travel agency liability insurance has implemented nationwide warranty, covering 11 types of responsibilities. The heads of several travel agencies in Henan Province believe that the biggest beneficiaries of this policy are travel agencies and consumers, responsible...

[May Point Network] Since the New Year's Day, the travel agency liability insurance has implemented nationwide warranty, covering 11 types of responsibilities. The heads of several travel agencies in Henan Province believe that the biggest beneficiaries of this policy are travel agencies and consumers. After the division of responsibilities is clear, accidents that occur in consumer travel may be guaranteed.

【new rule】

Travel agency will compensate tourists for property damage

Since the New Year's Day, travel agency liability insurance has implemented nationwide warranty, covering 11 categories of responsibilities. The protection of travel liability insurance after the new regulations has been improved. The compensation limit for each person has been raised from the previous minimum of 90,000 yuan to a minimum of 200,000 yuan and a maximum of 800,000 yuan. And the medical expenses protection amount is the same, and the mental compensation is also formally included in the insurance coverage, the maximum limit is 20,000 yuan.

In addition to the accidents caused by travel agency liability, travel agencies must compensate, travel agencies have many additional responsibilities can be compensated, such as accidents caused by non-travel agency causes such as natural disasters, social security incidents, public health emergencies, travel agencies do not bear Responsibility, but transportation expenses, accommodation expenses, communication fees and purchase of necessary items may be claimed to the insurance company during the insurance period. In addition, tourist property losses due to travel agency reasons will also be compensated, including tourists' luggage, clothing, digital cameras, laptops, watches, mobile phones and so on. However, the insurer is not responsible for compensation for loss or damage of gold and silver, jewelry, jewellery, credit cards, technical materials and other non-identifiable property.

However, tourists will not be compensated for many factors during the travel itinerary. For example, travel agencies will not be liable for any loss or damage caused by their own diseases.

[Travel agency]

Risk passed on to the insurance company

After the introduction of the new policy, the reporter interviewed the heads of many travel agencies in Zhengzhou. Most people think that this is a good thing for travel agencies, and it is beneficial to the healthy development of tourism to maximize the risk transfer to insurance companies.

Wu Yun, general manager of Henan Sunset Red Travel Service, carefully read the new regulations and thought that the biggest advantage of the new regulations was to divide the responsibility of the travel agency relatively clearly. “The accidents that occurred with the group travel are the responsibility of the travel agency.” Clearly, the unpleasant incidents such as the loss of bags during the travel of tourists have not been resolved, and now there is a basis. Wu Yun believes that in the future, as long as there is an incident in which tourists request compensation, tourism liability insurance will be launched.

Henan Zhongzhou International Travel Agency Manager Shizhan noticed the change of the new regulations in the second half of last year. He believes that the new regulations are gratifying for consumers and travel agencies. In the past, because the division of responsibilities was not clear, the responsibility was only initiated when a major accident occurred. Risks, generally small things are not willing to start, because the processing cycle is long, the division of responsibility is not clear, and the losses of consumers and travel agencies are not compensated. (Henan Business Daily)

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