国庆中秋长假出去游玩，安全意识不可少，"旅行意外保险"也要装上行囊。 安全也是文旅发展的"生命线"，一些地方文旅部门已为游客购买了意外保险。不妨查一查，你的长期旅行之地，也许也有了"政府购买、个人获益"的免费保障。 这份保险由喀什地区文化广播电视和旅游局（喀什地区文旅局）投保缴费，被保险人为在喀什地区旅游景点内的所有游客，包括外地游客、本地游客、按规定享受 免票待遇的游客以及境外入喀游客，保障覆盖喀什地区所有旅游景点。 安心游保险由人保财险喀什地区分公司承保，保障内容涵盖意外身故、意外医疗、财产损失等责任，不管是在景区游玩不慎受伤，还是因见义勇为、遭受火灾爆 炸、拥挤踩踏、食物中毒、自然灾害等原因造成的意外，都在保障范围内。伤亡赔偿限额最高50万元。 "由于喀什地处南疆，南疆地区地域广阔，部分景区地处高原、戈壁等特殊地理环境，游客可能会面临一些意想不到的风险。"喀什地区文旅局相关负责人米尔艾合 麦提江表示，为了给游客做好各方面尤其是安全方面保障，让每一位来到喀什的游客，无论是在帕米尔高原欣赏冰川，还是在塔克拉玛干沙漠边缘体验胡杨风情， 都能玩得放心、游得安心，喀什地区在全域内开办了安心游保险。 简言之，在南疆 ...

海南日报讯(海南日报全媒体记者 王培琳 通讯员 朱建)近日，在海南省旅文厅的指导下，全省首 单"驾安心"自驾游综合保险项目签署落地，该保险为通过"酷游海南"平台购买自驾游线路产品的游客提 供全面的保障，赔偿总额约5000万元。 根据协议，"驾安心"自驾游综合保险由海南省旅文厅全额出资，人保财险海南分公司独家承保，海 南自驾游协会协同人保财险海南分公司共同推广，江泰保险经纪有限公司(以下简称江泰经纪)协助人保 财险海南分公司办理理赔案件索赔、纠纷调解服务。 据了解，该保险项目服务的保障范围为在"酷游海南"平台购买自驾游产品的游客提供包括意外、猝 死等赔偿责任总计约5000万元，一旦出险，游客可通过拨打95518报案专线电话，人保财险海南分公司 在接到报案后即会同江泰经纪展开现场查勘，并及时向出险游客支付赔款。 ...

Core Viewpoint - The article discusses the significant impact of extreme weather, particularly heavy rainfall, on the tourism industry in China, highlighting the increasing frequency and severity of such weather events and their detrimental effects on tourism operations and revenue [4][12][22]. Group 1: Impact of Extreme Weather on Tourism - This summer, many popular tourist destinations in China have faced severe disruptions due to heavy rainfall, leading to the closure of scenic spots, hotels, and transportation services [5][10]. - In Qinghai, for instance, all 24 A-level tourist attractions were closed due to heavy rain warnings, affecting the entire tourism ecosystem including hotels and travel agencies [5][8]. - The situation is not isolated; cities like Zhengzhou and regions like Beijing have also issued red alerts for heavy rain, resulting in widespread closures of attractions and services [9][10][12]. Group 2: Economic Consequences for the Tourism Industry - The tourism industry is experiencing a significant financial strain as cancellations and refunds become rampant, leading to a sharp decline in revenue [18][19]. - The article notes that the traditional notion of "tourism depends on the weather" has evolved into a critical vulnerability for the industry, with many businesses unable to sustain operations during adverse weather conditions [20][22]. - The lack of preparedness for extreme weather events has resulted in a complete halt of income for many tourism operators, emphasizing the need for better risk management strategies [23][24]. Group 3: Need for Improved Risk Management - The article suggests that the tourism industry must adopt new measures to mitigate the risks associated with extreme weather, such as implementing weather-triggered insurance policies that provide automatic compensation when certain weather thresholds are met [24][26]. - It emphasizes the importance of collaboration among platforms, government, insurance companies, and businesses to create a more resilient tourism ecosystem capable of withstanding weather-related disruptions [26][27]. - The establishment of temporary insurance subsidies during high-risk periods is recommended to encourage small and medium-sized tourism operators to invest in disaster preparedness [27][28].

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].

Core Viewpoint - The article discusses the launch of a new travel insurance product, "Ping An Travel Safety Guardian Plan," which aims to provide comprehensive safety and risk management for travelers, moving beyond traditional post-incident compensation to proactive prevention and immediate assistance [4][5][11]. Group 1: Product Features - The "Ping An Travel Safety Guardian Plan" introduces a new standard in the industry with four core functions: prevention, rescue, compensation, and utility [4][14]. - The plan offers real-time safety alerts regarding weather and geological risks through corporate WeChat, allowing travelers to avoid potential hazards [4][5]. - In case of emergencies, the plan ensures rapid response with professional rescue teams and helicopter services, capable of initiating rescue operations within 15 minutes [5][6][22]. Group 2: Coverage and Benefits - The insurance covers a wide range of activities, including daily travel, skiing, mountaineering, and diving, with quick claims processing and 24/7 customer service [5][8][20]. - It provides various medical services such as online consultations, medication delivery, and assistance with medical appointments, addressing common travel health concerns [5][8][22]. - The plan includes specific add-on coverage for high-risk activities, allowing travelers to customize their insurance based on their needs [9][23]. Group 3: Market Positioning - The product is positioned as a comprehensive safety net for travelers, emphasizing the importance of peace of mind during trips [11][15]. - It aims to redefine the travel insurance market by setting a new benchmark for safety and support, enhancing the overall travel experience [14][15]. - The initiative reflects a broader trend in the insurance industry towards more proactive and user-friendly solutions, aligning with consumer demands for better risk management [10][12].