春節(jié)出游 “旅游意外險”熱銷

隨著人們觀念的轉(zhuǎn)變和收入的增加，不少人選擇在旅途中度過春節(jié)假期。然而旅途中風(fēng)險難測，在境外遇到意外情況更是讓游客可能面臨巨額費用，出游前購買旅游保險成了很多人的標配。

With worry writ large on his face, a holiday flier digests information of flights delayed or canceled due to fog at the departure hall of Kunming Changshui International Airport. [Photo by Zhang Yujie / for China Daily]

In 2018, the number of Chinese travelers who bought travel accident insurance for outbound trips jumped nearly 20 percent year-on-year, according to a report by Ctrip.com International Ltd.

根據(jù)攜程發(fā)布的報告，2018年，中國出境游客購買旅游意外險的比例比去年增加了近20%。

In terms of payouts, 46 percent of money went to compensating travel schedule changes, 35 percent was for travel delays, and 15 percent for medical care costs, said Ctrip.

從理賠金額看，最多的是旅程變更，占比46%;其次是旅程延誤，占比35%;醫(yī)療占比15%。

據(jù)統(tǒng)計，在醫(yī)療理賠案件(medical claims)中，摔傷(trips and falls)占比最高，其次是感冒發(fā)燒、急性腸胃炎和動物咬傷抓傷。意外摔傷案件中，超過一半是中老年人(middle-aged and senior people)。

報告發(fā)現(xiàn)，境外游(overseas trips)風(fēng)險整體大于境內(nèi)游(domestic trips)，尤其是一些長線旅行目的地(long-distance overseas destinations)(如美國、加拿大、新西蘭等國)以及海島國家(tropical islands)。

海島目的地是很多游客向往的度假勝地(dream island holiday)，快艇顛簸導(dǎo)致腰傷骨折(yachting mishaps)、浮潛或游泳溺水等都屢見不鮮。

被偷被搶(robbery cases)等財產(chǎn)損失也是旅游者的一大風(fēng)險，歐洲案發(fā)率最高，從攜程旅游客戶和報案理賠看，歐洲占國內(nèi)外此類案件的20%。

【相關(guān)詞匯】

緊急醫(yī)療服務(wù) emergency medical care services

航班延誤 flight delays

包機航班 chartered flights

海外旅游目的地 overseas destinations

轉(zhuǎn)機 transferring flights

第三方保險平臺 third-party insurance platform