春节出游 “旅游意外险”热销

With worry writ large on his face, a holiday flier digests information of flights delayed or canceled due to fog at the departure hall of Kunming Changshui International Airport. [Photo by Zhang Yujie / for China Daily]

In 2018, the number of Chinese travelers who bought travel accident insurance for outbound trips jumped nearly 20 percent year-on-year, according to a report by Ctrip.com International Ltd.

根据携程发布的报告，2018年，中国出境游客购买旅游意外险的比例比去年增加了近20%。

In terms of payouts, 46 percent of money went to compensating travel schedule changes, 35 percent was for travel delays, and 15 percent for medical care costs, said Ctrip.

从理赔金额看，最多的是旅程变更，占比46%;其次是旅程延误，占比35%;医疗占比15%。

据统计，在医疗理赔案件(medical claims)中，摔伤(trips and falls)占比最高，其次是感冒发烧、急性肠胃炎和动物咬伤抓伤。意外摔伤案件中，超过一半是中老年人(middle-aged and senior people)。

报告发现，境外游(overseas trips)风险整体大于境内游(domestic trips)，尤其是一些长线旅行目的地(long-distance overseas destinations)(如美国、加拿大、新西兰等国)以及海岛国家(tropical islands)。

海岛目的地是很多游客向往的度假胜地(dream island holiday)，快艇颠簸导致腰伤骨折(yachting mishaps)、浮潜或游泳溺水等都屡见不鲜。

被偷被抢(robbery cases)等财产损失也是旅游者的一大风险，欧洲案发率最高，从携程旅游客户和报案理赔看，欧洲占国内外此类案件的20%。

【相关词汇】

紧急医疗服务 emergency medical care services

航班延误 flight delays

包机航班 chartered flights

海外旅游目的地 overseas destinations

转机 transferring flights

第三方保险平台 third-party insurance platform