旅遊保險對旅遊風險的重要性及其法律問題The Importance of Travel Insurance to Travel Riskand Its Legal Issues

摘要
本文以旅遊安全與品質為核心概念，探求現有旅遊保險如何管理旅遊活動的各項風險，在前言之外，先說明旅遊人身安全及活動品質的風險管理方法，在旅遊保險之外，仍得尋求意外協助及強化風險意識；其次，分別從旅客人身安全及旅遊活動品質，分析旅遊保險的法律性質及商品種類為何；另外，針對現行旅遊保險所引發的法律爭議，進一步從學說及實務見解來探討各種旅遊保險的要保人、性質為任意保險或強制保險，以及利用信用卡消費時附贈旅遊平安險的保障範圍等相關問題，最後作成結論，除強調旅遊保險是旅遊安全及品質的風險管理重要方法之外，也指出保險法相關規定如何解釋適用於旅遊保險，以期健全我國旅遊相關法制。
關鍵字：旅遊業、風險管理、旅遊保險、責任保險、傷害保險
Abstract
This article takes the security and quality of travel activity as its core concept and explore that how travel insurance in existence to manage all the risks from travel activity or tourism. Other than the preface, second part of this article generalizes the ways to manage travel risk are travel insurance, accidental assistance and risk consciousness. Part three analyzes legal character of all the travel insurance and its type in a viewpoint of personal security and activity quality. Part four discusses relevant legal issues, like the applicant for travel insurance, its character discretionary or mandatory insurance, the coverage of travel accident insurance donated by credit-card bank. Finally, this article concludes and emphasizes travel insurance is the most important way to manage travel risk. Another contribution is to point out the application of insurance law and regulation to travel insurance.
Keywords: tourism, risk management, travel insurance, liability insurance, personal accident insurance