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旅游意外险 travel accident insurance

language.chinadaily.com.cn| Updated: 2019-02-14
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随着人们观念的转变和收入的增加,不少人选择在旅途中度过春节假期。然而旅途中风险难测,在境外遇到意外情况更是让游客可能面临巨额费用,出游前购买旅游保险成了很多人的标配。

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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.

根据携程发布的报告,2018年,中国出境游客购买旅游意外险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.

从理赔金额看,最多的是旅程变更,占比46%;其次是旅程延误,占比35%;医疗占比15%。

据统计,在医疗理赔案件(medical claims)中,摔伤(trips and falls)占比最高,其次是感冒发烧、急性肠胃炎和动物咬伤抓伤。意外摔伤案件中,超过一半是中老年人(middle-aged and senior people)。

报告发现,境外游(overseas trips)风险整体大于境内游(domestic trips),尤其是一些长线旅行目的地(long-distance overseas destinations)(如美国、加拿大、新西兰等国)以及海岛国家(tropical islands)。

海岛目的地是很多游客向往的度假胜地(dream island holiday),快艇颠簸导致腰伤骨折(yachting mishaps)、浮潜或游泳溺水等都屡见不鲜。

被偷被抢(robbery cases)等财产损失也是旅游者的一大风险,欧洲案发率最高,从携程旅游客户和报案理赔看,欧洲占国内外此类案件的20%。

【相关词汇】

紧急医疗服务 emergency medical care services

航班延误 flight delays

包机航班 chartered flights

海外旅游目的地 overseas destinations

转机 transferring flights

第三方保险平台 third-party insurance platform