新华财经北京7月25日电中国旅游研究院最新预测显示，2025年暑期国内旅游人数将恢复至2019年水平 的115%以上；国民整体暑期消费规模预计达1.8万亿元。在自由行井喷式增长的背景下，传统的"事后赔 付"型旅游保险模式，正面临游客日益增长的"即时救援"和"全程安心"需求挑战。一场以＂防、救、 赔、用＂为核心的服务范式变革，正在重塑境内旅游保险的行业格局。 范式颠覆：从"事后补位"到"全程渗透" "防"字当先：多家领先保险公司开始整合资源，通过APP、小程序等平台，在行前向投保人推送目的地 天气预警、地质灾害风险提示、安全须知等信息，帮助游客提前规避风险。 "救"是关键：能否提供"第一现场"的快速专业救援，成为衡量旅游保险价值的新标准。行业正努力缩短 响应时间。如平安产险的境内旅游保险产品"平安行·出行安全守护计划"，打破保险仅提供事后赔付无 法为客户提供即时救助的现状，建立"防、救、赔、用"四大功能为核心的新标准，以"7×24小时秒级响 应""15分钟内启动紧急救援""万元内当天赔付""医疗服务全程护航"等核心能力，为用户提供行前预 防、遇险救援、事后康复全周期风险保障。 "赔"求高效：提升理赔效率与体验是 ...

Core Viewpoint - The tourism market in China is experiencing a strong recovery during the summer vacation, with an expected 300 million tourists and a cultural tourism consumption subsidy of 570 million yuan in 2025. However, the penetration rate of domestic travel insurance remains low, highlighting a significant gap in safety protection for tourists that needs to be addressed through institutional design, technological empowerment, and public awareness [1][4][6]. Group 1: Current State of Travel Insurance - The penetration rate of travel insurance in China is stagnating between 10% and 20%, with an average premium of only 1.8 yuan, which is less than 1/25 of that in the United States [1]. - The insurance coverage rate for county-level scenic spots is below 8%, and high-risk outdoor attractions account for 37% of casualties, leading to a vicious cycle of frequent accidents, insufficient compensation, and increasing disputes [2]. Group 2: Technological Innovations in Insurance - Innovative solutions driven by technology are emerging, such as the "smart insurance code" in Huangshan Scenic Area, achieving a 95% insurance participation rate, and blockchain technology in Jiuzhaigou for rapid claims processing within 2 hours [3]. - The "Ping An Travel Safety Protection Plan" offers a comprehensive risk management approach, including 24/7 rapid response, emergency rescue within 15 minutes, and same-day compensation for claims up to 10,000 yuan, providing a full-cycle risk guarantee for travelers [3]. Group 3: Recommendations for Improvement - To address the "hot tourism, cold insurance" issue, experts suggest enhancing institutional frameworks, utilizing technology, and increasing the inclusivity of travel insurance [4]. - Recommendations include establishing mandatory insurance requirements for scenic spots, transportation, and accommodation, and implementing a "no ticket sales without insurance" policy [4]. - Promoting public data integration with insurance systems for dynamic risk control and encouraging the development of low-cost, widely covered insurance products are also suggested [4]. Group 4: Role of Tourists - Tourists are encouraged to enhance their risk awareness and self-protection by verifying travel agency qualifications, policy numbers, and coverage of all risk scenarios [5]. - It is advised to prioritize full-cycle insurance products and consider additional coverage for high-risk activities or specific needs, such as elderly or chronic illness considerations [5]. Group 5: Conclusion - The insurance industry must transition from being an optional service to a necessity for the 300 million tourists expected this summer, with a focus on institutional support, technological advancements, and inclusive financial solutions [6].

每到假期，朋友圈就会迅速切换到摄影与诗词大会的主场。 这边，七月三亚避暑：碧蓝海岸与三角船帆共海天一色。 另一边，梅里雪山下晒图配文：踏雪寻梅，是内心的净化之路；洗净铅华，只留纯粹与宁静。 …… 满屏的诗与远方，洋溢着人们对美好生活的热爱与向往。 不过，旅行的美好之余也常伴有意外发生——近期，阿坝县包车落水事件引起了社会关注，据悉，，江苏的一家人在川西旅游时选择了包车，没想到在7月2 号，从阿坝县前往色达县的路上出了意外，车子不慎掉崖，发生了车祸。 7月未竟，就已有多条因旅行意外上热搜的新闻。 这提醒我们，现代旅行已不仅仅是备齐防晒霜、充电宝，规划好行程路线、订妥食宿那么简单。比起这些看得见的准备，一份能守护美好的"安全感"，才是 更应该装进行囊里的东西。 作者：七佰 平安产险推出的全新境内旅游保险产品"平安行·出行安全守护计划"，正在打破保险仅提供事后赔付无法为客户提供即时救助的现状。 其在行业内创造性地推出了以"防、救、赔、用"四大功能为核心的新标准，为大众出行安全筑起了一道全面的"防火墙"。 事实上，对于购买保险的人而言，事后赔偿只是一种降低生命财产损失的兜底方案，人们真正的需求是危险来临时的提前防护， ...

随着全球航空供应链的恢复和拓展，今年"五一"假期，出境游市场持续升温。面对旅途中的意外伤害、 突发疾病、行李丢失等风险，一份高性价比的旅游险成为游客的"必备行李"。 记者观察发现，出境游火热背后仍存在不少保险盲区。业内人士提醒，"提前配置保险，可有效规避高 额损失，但需根据目的地和需求精准选择产品。" 保险要覆盖全部的行程和目的地 2025年春节期间，"数百名中国游客因天气原因滞留南极"的消息引发广泛关注。人们聚焦于游客的安全 与行程变化，同时也引发了对境外旅游保险的探讨。 "买保险不是图理赔方便，而是买一份安心保障。"有保险代理人直言，"当你突发疾病或遭遇意外时， 保险公司的救援能力直接决定你能不能得到及时救治。" 记者观察发现，多数保险公司的旅行意外险中包含紧急医疗运送和送返的保险责任，条款显示为"若以 空运为转运方式，一般使用正常航班。若救援机构认为必要并经保险人认可，可以包机或者使用医疗救 护专用机运送被保险人"。如在旅行期间，遭受意外事故导致严重受伤或罹患突发性重病，符合理赔条 件，将由保险公司支付保险金额范围内的救援费用。不过，理赔标准中，对于突发性重病的限定较为严 格，如某财险的责任免除条款中规 ...