What kind of insurance do tourists buy according to the regulations？

Personal accident insurance.

Article 61 of the Tourism Law of the People's Republic of China stipulates that travel agencies should prompt tourists who take part in group tours to take out insurance in personal accident insurance according to regulations.

There are many types of personal insurance for tourists, and the most important one is personal accident insurance, which is called Travel Insurance for short. At present, the laws and regulations of the state have no mandatory provisions on the individual insurance behavior of tourists.

Article 61 of the Tourism Law stipulates that travel agencies should prompt tourists who take part in group tours to take out insurance in personal accident insurance as required. That is to say, travel agencies have the obligation to prompt tourists to take out insurance, but they do not take out insurance on their behalf, and the target is only group tourists.

Extended data

In addition to travel insurance, there is also a kind of insurance that is the liability insurance of travel agencies, which is called travel liability insurance for short. Travel insurance and travel liability insurance are two completely different kinds of insurance, which are quite different.

First, travel insurance is not compulsory insurance, while travel liability insurance is compulsory insurance for relevant tour operators according to the law.

Second, the beneficiaries are different. When the insurance contract is concluded, the travel insurance is signed directly between the tourist himself and the insurance company; As far as travel liability insurance is concerned, although tourists are the direct beneficiaries of travel liability insurance, the signing subjects are insurance companies and travel agencies.

Third, claims are different. Travel insurance usually does not consider the relationship between the damage result and the behavior of tourists or others when making claims; When making claims for travel liability insurance, we should consider whether the operator of the travel agency is liable for compensation.

Reference: People's Network-Have you bought insurance for traveling?

Travel agencies should prompt tourists who participate in group tours to purchase Travel Accident Insurance and Property Insurance in accordance with regulations. According to the relevant information: during the travel, accidents or property loss may occur due to various reasons. Buying travel accident insurance and property insurance can effectively protect the rights and interests of tourists and avoid economic losses. According to the relevant provisions of China's tourism law, tourists should buy travel accident insurance and property insurance when traveling. When organizing group travel activities, travel agencies should provide corresponding insurance suggestions and tips for tourists in accordance with the requirements of laws and regulations to ensure the safety and rights of tourists. Travel agencies remind tourists to buy insurance, which helps to improve their travel safety awareness and make them pay more attention to their own safety and property protection.