| With the popularization of travel activity and the maturity of people's consumption idea, more and more tourists begin to pay attention to the issues of safety and rights and interests safeguard during their travel. During people's travel, they face high risk and the accidents of casualties, property loss and diseases emerge in an endless stream due to the travel activity's characteristics of strong flow ability, large dispersion and local differences, people are paying close attention to the issues of how to shift off or transfer the risks on there outward journey, so the various risks must be dispersed or shifted off with an effective way. Developing the business of travel insurance is the proper means to solve this problem.Our country began to deal with the would-be business of travel insurance from the end of 1980s, so the business appears late and develop slow. Although the development period is not long, the effect and significance is affirmative. The research of travel insurance in China has accumulated some achievements after a progress of growing out of nothing, but this research is comparatively scattered and systematic, hasn't reached agreement with the relative content of travel insurance. Based on this point, this thesis takes the industry of travel insurance as the research object, generalizes the development course of China travel insurance and analyzes selectively its development status from three angles of customer behavior, the present development status and market management . This thesis also analyzes the UK travel insurance development profile, and then compares it with China travel insurance carefully to find the common ground and differences between the two countries'development of travel insurance, in order to provide instruction and reference for the development of China travel insurance. It predicts the develop trend of China travel insurance from four aspects of market, insurance profit, enterprise development direction and consumer. Combined with the present development status, the strategies of China travel insurance are raised from several angles.Innovative points of this thesis are as following, (1)Combined with the present development status, the two concepts of travel insurance depth and travel insurance density are put forward, which has certain innovation and theoretic value; (2)Raising to found the guarantee system of China travel insurance, all the parties of insurance company, travel company and customer, etc. should enhance the coordination and communication, found the guarantee system of China travel insurance together, in order to realize the trade's virtuous circle and rapid development.Through research, the following conclusions are reached in the thesis, (1)China travel insurance is still in the stage of initial development, the market hasn't reached maturity; (2)Travel insurance possess a vast range of prospects, which is the important support to guarantee the travel industry's healthy development; (3)Travel insurance's rapid development needs the powerful support from all the parties of the society; (4)We must take other countries'successful experience of developing travel insurance for reference; (5)The theory research of travel insurance needs to be strengthened further. The development of travel market and the existing of travel risk demand objectively that the business of travel insurance should develop accordingly, then it can provide a powerful protecting umbrella for the sustainable development of travel industry. The research of travel insurance in this thesis is helpful for people to understand the knowledge of travel insurance more systematically and comprehensively, and has certain reference value to the journey and consumption behavior. The study on the development of travel insurance can provide reference for the making of strategic decision of travel insurance supervision department, relative enterprises (including travel agencies, insurance companies, etc.), in order to achieve the goal of applying the theory to practice. |
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