INSURANCE PROTECTION IN TOURISM

INSURANCE PROTECTION IN TOURISM

 

 



 Features of insurance of tourists and tourist organizations

According to the Federal Law "About bases of tourist activity in the Russian Federation" the main form of security of tourists (travelers) for a temporary stay abroad is insurance. This insurance policy shall provide for payment of medical care to tourists and other property reimbursement expenses when the insured event directly to the country of temporary residence. The insurance policy must be issued in Russian and the state language of the country of temporary residence. Failure to do so deprives the tourists the right to receive payment when the insured event.

Travel insurance - a special type of insurance that provides insurance protection of property interests of citizens during their tourist travel, travel, shop tours and others. It refers to risk insurance.

Features of insurance in tourism:

- Riskiness;

- Short-term (not more than 6 months);

- A greater degree of uncertainty of the time of the insured event and the magnitude of potential damage.

Types of insurance risks for travelers:

- Sudden acute illness;

- accident;

- Loss of luggage and other property;

- The lack of snow in the ski resorts;

- The inability to travel to a paid tour;

- Delay of aircraft or other vehicles at the exit - entry;

- Failure to issue the visa;

- bad weather;

- Failure or incomplete provision of services.

Insurance risks inherent in travel agencies:

- Financial;

- The property;

- Civil liability under the contract with the tourist.

Under the insurance of tourists traveling abroad, usually meant voluntary medical insurance in case of sudden illness or injury, received a tourist in an accident that occurred during stay abroad. However, except for medical, tourists sometimes have to apply for other types of assistance: legal, technical, administrative, and so on. N.

Because of this, domestic companies that sell policies of foreign insurance are now increasingly enter into agreements with foreign insurance companies Assistance, specializes in providing tourist complex of services: from the exchange of tickets and extension of exit visas to transportation, repair of vehicles, repatriation to their homeland remains the dead (deceased) tourist.

By agreement with the Russian partner of the insurer determines the amount of insurance services, and the provision of an assistance company provides. Settlements between partners made both between the reinsurer and the reinsurer.

The legal relations of tourists with insurance companies (insurers) are stipulated in the conditions of insurance for a specific type of insurance events, which are being developed by each organization individually by agreement with the federal executive body for the supervision of insurance activities (Insurance Supervision Department) in the general insurance regulations and legislation.