Your medical insurance in your
own country may not be valid in China; check with
your insurance company.
A travel insurance policy to cover
theft, loss, trip cancellation and medical problems
is sensible. Some policies offer lower and higher
medical-expense options; the higher ones are chiefly
for countries such as the USA, which have extremely
high medical costs. A wide variety of policies
exist, so check the small print. In addition,
buy travel insurance as early as possible before
you start your travel. In China, better travel
agencies may buy insurance for their clients.
China National Tourism Administration
(CNTA) issued a regulation in May, 2001 which
instructs all travel agencies to buy insurance
for their clients, effective September 1, 2001.
According to the regulation, in order to secure
tourists' interests and legal rights, especially
those traveling to dangerous places, the National
Tourism Administration issued a notice requiring
all tourism agencies to buy "travel agencies'
liability insurance." This insurance policy
replaces the original Personal Accidence Insurance
and becomes the new legal-based practice in China.
According to the notice, tourism agencies
must compensate tourists, or their dependents,
for losses in the following situations:
- If physical injury or death occurs,
tourism agencies must cover related costs of
medicines, medical treatment, travel and accommodation
- They must cover losses if tourists'
belongings are lost, broken or stolen;
- They must cover all legal costs
for their tourists if lawsuits are brought against
The administration also stipulated
related compensation standards:
The limit for compensation to a
tourist on domestic trips is set at RMB:£¤80,000
(US$9,700); and RMB£¤160,000 (US$19,400)
for a tourist traveling overseas.
At the same time, the administration
stipulated compensation limits for tourism agencies.
A tourism agency's annual compensation
must be within 2 million Yuan (US$243,902) if
it specializes in domestic trips, while an international
tourism agency's limit is 4 million Yuan (US$487,804).
If tourism agencies launch highly risky travel
services, they must co-ordinate with relevant
insurance companies about related compensation
standards and limits.
This newly enacted regulation will
definitely improve the travel security environment