香坊支平安保险公司旅游保险产品发展研究

平安保险香坊支公司旅游保险产品的发展现状分析摘要自改革试点开放正式实施以来，保险业和旅游业经济一同得到迅速蓬勃发展，2016年度至2021年间，全国旅游业经济实现年收入增速超过15.9%，全国保险业总收入保费实现年平均增速达18.87%，两个大行业社会经济发展增长速度均明显超过了人均GDP的综合平均增速，2015年随着互联网金融旅游消费保险行业迅速的兴起发展之后，旅游相关产业保险市场整体规模发展的联动化速度也亦在突飞猛进，投保人群覆盖率更是逐年的稳步地上升、主动规避风险投保服务保障意识正在逐渐增强，旅游保险产业市场的平稳健康有序发展，不仅可以为保障当前我国公民旅游相关出行保障，而且能更有效的为广大当地居民健康安全及出境健康休闲观光旅游安全行为做好保驾护航和保险护航、解决消费者出门的一系列安全后顾之忧，旅游保险的快速健康发展也无疑有利于保障当前我国绿色健康的旅游业持续健康发展具有重大的意义。从购买旅游安全保险产品服务理赔效果考察分析，其内容主要有应对旅游人员遭遇的一系列风险与回避性问题，这些重大风险因素具体应包括旅游人员自己的财产权益和旅游者人身安全、行程意外延误的损失补偿等多个因素方面。要真正合理安全规避掉上述风险，就要重新设置好一套完整科学安全的旅游健康保险产品结构，而且该套产品还能够真正更好有效的帮助促进中国当地旅游业市场的平稳快速良性发展。因此，在哈尔滨旅游服务行业快速繁荣发展新形势要求下，保险公司将如何设计开发构建出一套更加完整合理而更有效可靠的保险旅游保障产品结构，并且确保为所有旅游人员真正提供出更有效便捷和更好安全可靠的旅行保障服务才是我国保险企业在未来一定要全力应对解决的重要关键问题。由此，文章以平安保险香坊支公司产品为案例，提出建立了一套能够快速帮助使该公司迅速适应服务于哈尔滨旅游产品保险市场保险产品解决方案，由此快速实现哈尔滨旅游市场客户需求的各项基本功能需求，对现有旅游市场保险结构逐步进行完善规范。关键词：平安保险公司：旅游保险：产品结构：保险结构Analysis on the Development Status of Travel InsuranceProducts of Ping An Insurance Xiangfang BranchAbstractSince the formal implementation of the pilot reform and opening up,the insuranceindustry and tourism economy have developed rapidly together.From 2016 to 2021,theannual income growth rate of the national tourism economy has exceeded 15.9%,and theannual average growth rate of the total income and premium of the national insuranceindustry has reached 18.87%.The social and economic development growth rate of the twomajor industries has significantly exceeded the comprehensive average growth rate of percapita GDP,With the rapid rise and development of Internet finance,tourism and consumerinsurance industry in 2015,the linkage speed of the overall scale development of tourismrelated industry insurance market is also advancing by leaps and bounds,the coverage rate ofinsured people is rising steadily year by year,the awareness of actively avoiding risks andinsurance service guarantee is gradually increasing,and the tourism insurance industry marketis developing steadily,healthily and orderly,It can not only guarantee the current travelrelated to China's citizens'tourism,but also effectively protect the health and safety of localresidents and the safe behavior of outbound healthy leisure tourism,and solve a series ofsafety worries of consumers.The rapid and healthy development of tourism insurance isundoubtedly conducive to the sustainable and healthy development of China's green andhealthy tourism industry,which is of great significance.From the investigation and analysis ofthe claim settlement effect of purchasing tourism safety insurance products and services,itscontent mainly includes dealing with a series of risks and avoidance problems encountered bytourists.These major risk factors should include tourists'own property rights and interests,tourists'personal safety,loss compensation for unexpected travel delay and other factors.Inorder to truly avoid the above risks reasonably and safely,it is necessary to reset a completeset of scientific and safe tourism health insurance product structure,and this set of produ