Insurance of domestic and incoming tourism. Insurance of tour operators Insurance of tour operators outbound tourism

In two days - July 23 and 25 - after two orders signed by the head of Rostourism, the register travel companies 42 participants left. In 25 cases, the reason for exclusion was the lack of a tour operator liability insurance contract.

The problem, voiced after the amendments to 132-FZ came into force, made itself known so loudly for the first time.

Yes, so far we are talking about less than 4% of travel companies that have lost insurance support, as a result - the possibility of legitimate work in the field of inbound (domestic) and outbound tourism. But as practice shows, things may not stop there.

What is the essence of the problem

• The situation in the tourism services market remains more profitable for tourists and practically devastating for those who serve them. The key problem is the market for offering insurance services to tour operators. As its participants leave (in 80% of cases - due to loss of license), the policyholder is obliged to enter into more and more new contracts. In terms of transactions carried out, it looks like this:
• The travel agency transfers the cost of insurance to the first partner.

After his license is revoked, all policyholders form a queue to return part of the premium. The return itself can only be carried out after bankruptcy or completion of the liquidation procedure. In exceptional cases, the insurer, having lost one license, remains in work in other areas and considers applications from partners for the return of funds paid.

While litigation is ongoing and claims for reimbursement of the payment made under the liability insurance of the tour operator and travel agency are being considered, the latter are required to conclude a new contract and make payment again. If before the expiration of the policy the new partner is punished by the revocation of the license, you will have to pay for the third time.

The process of finding a new insurer is further complicated by the fact that the supply market for this service is constantly narrowing.

More than 40% of insurance companies licensed to insure tour operator civil liability are small and medium-sized organizations. They may end up on the Central Bank’s “penalty” list. Only 60% of companies have enough high rating

. And their portfolio of travel agencies is 90% formed by large, experienced participants in the travel services market. The remaining 10% are newcomers and small organizations.

• According to the preferences of insurers, the situation with drawing up an insurance contract for tour operators is as follows:
• First place goes to organizations focused on popular areas with at least 10 years of experience and foreign financial support.
• The second position belongs to enterprises that are engaged in domestic and inbound tourism (the risks associated with their activities are lower).

Third place - large and medium-sized metropolitan organizations engaged in outbound and inbound tourism for at least 5 years.

As a result, it is extremely difficult for new organizations to enter the market. The scenario for them: work with dubious insurance companies or “merge” with a larger competitor. According to representatives of the tourism industry, this practice can hardly be considered healthy.

Is there a solution

• Although the law provides for a way out of this unpleasant situation. True, both policyholders and insurers often forget about it. We are talking about the possibility of insuring the liability of tour operators from several companies at once for the total amount of coverage:
• up to 0.5 million rubles for representatives of the domestic/inbound tourism sector;
• 10 million rubles for outbound tourism companies, if the organization’s client flow does not exceed 10 thousand tourists;

50 million rubles for newbies, previously temporarily suspended businesses and organizations that serve more than 10 thousand clients a year.

Insurance price for tour operator

This approach – “combined” insurance of a tour operator’s activities – is also beneficial because policy prices from different insurers differ significantly.

About half of companies set interest rates. They vary between 0.3–1.6% of the amount insured for travel services. Another 20% practice an individual approach when calculating prices - they combine fixed rates and use increasing or decreasing coefficients with them.

Understanding the intricacies of pricing in this segment is sometimes very difficult. But many people don’t need this. There are tools that are easy to work with and find your long-term partner, even for a beginner. The site was created to structure and offer these tools to the policyholder.

Questionnaire applications

Presentations

Tour operator insurance is one of the priority types of insurance of our company. Our company's employees have unique experience in interacting with tour operators, insurance companies and regulatory authorities in the field of tour operator insurance, such as the Federal Tourism Agency and the Central Bank of Russia. As of spring 2016, our portfolio includes more than 150 tour operators, outbound international tourism, and for inbound and domestic tourism.

We provide the following types of insurance for tour operators:

• Tour operator liability insurance (as part of the obligation under Federal Law No. 12-FZ). Liability insurance is a mandatory type of insurance. Without liability insurance, a tour operator cannot assemble a complete tourism product, which must provide the tourist with flights to and from the holiday destination, transfers from the airport to the hotel and back, hotel accommodation, as well as protection of the tourist’s financial interests in case of failure to fulfill his own obligations;
• Insurance for people traveling abroad (TZR). This type of insurance protects tourists in case of need to provide medical care. When implementing a system for the sale of travel insurance policies, we provide a comfortable level of interaction between the insurer and the tour operator (adaptation in 1C, Master-Tour, b2b), as well as the necessary agent remuneration.
• Voluntary medical insurance for employees of tour operators.
• Insurance of tour operator offices (property and civil liability for the operation of non-residential premises).

The activities of a tour operator are a very complex type of business, which depends on a number of micro- and macroeconomic risks, which are very difficult to predict and assess. But the success or failure of a particular tour operator depends on them. In connection with the above, liability insurance for tour operators is already sufficient long term is mandatory. Without liability insurance, a tour operator cannot obtain permission to operate from Rostourism.

Over the years of working with tour operators, we have observed them, both at the dawn of business and in difficult times of crisis for them. The peak of this crisis was the summer and autumn of 2014. At this time, both tour operators and insurance companies suffered, as they took a very frivolous approach to underwriting in tour operator liability insurance. On this moment It is quite difficult for a tour operator to find an insurance company willing to insure its liability on its own. This is where we are ready to help!

Contact us and see this in practice!

1. GENERAL PROVISIONS

1.1. These Methodological Recommendations for assessing risks in insurance and reinsurance of civil liability of tour operators for failure to fulfill obligations under an agreement on the sale of a tourism product (hereinafter referred to as the Methodological Recommendations) were developed in order to provide methodological assistance to insurance organizations in assessing risks in insurance and reinsurance of civil liability of a tour operator.

1.2. When insuring civil liability of a tour operator for failure to fulfill obligations under an agreement on the sale of a tourism product, Insurers must be guided by the requirements of the law Russian Federation, including:

Civil Code of the Russian Federation;

Law of the Russian Federation of November 27, 1992 No. 4015-1 “On the organization of insurance business in the Russian Federation”;

Federal Law of November 24, 1996 N 132-FZ “On the Fundamentals of Tourism Activities in the Russian Federation” (hereinafter referred to as Federal Law No. 132-FZ).

1.3. Insurance contracts must be concluded in accordance with the requirements of the law, including, but not limited to, on the basis of the “Rules for insurance (standard) of civil liability of a tour operator for failure to fulfill obligations under an agreement on the sale of a tourist product”, approved by the Presidium of the All-Russian Union of Insurers, in parts that do not contradict the requirements of Federal Law No. 132-FZ.

BASIC CONCEPTS

Insurer– an insurance organization registered on the territory of the Russian Federation and having the right to provide civil liability insurance for failure to fulfill obligations under the contract.

Reinsurer - an insurance or reinsurance organization registered on the territory of the Russian Federation, having a license to carry out reinsurance and accepting for reinsurance the risks of civil liability of tour operators for failure to fulfill obligations under an agreement on the sale of a tourism product.

Policyholder– a person carrying out tour operator activities (tour operator), as well as a legal entity that carries out the sale of a tourism product generated by a foreign tour operator on the territory of the Russian Federation.

Sum insured- the amount of money within which the insurer undertakes to pay insurance compensation and, on the basis of which, the amount of the insurance premium (insurance premiums) and the amount of insurance payment upon the occurrence of an insured event are established.

Tourism- temporary departures (travels) of citizens of the Russian Federation, foreign citizens and stateless persons (hereinafter referred to as persons) from their permanent place of residence for medical, recreational, educational, physical education, sports, professional, business, religious and other purposes without engaging in activities, associated with receiving income from sources in the country (place) of temporary stay.

Tourist activities- tour operator and travel agency activities, as well as other travel organization activities.

Domestic tourism- tourism within the territory of the Russian Federation of persons permanently residing in the Russian Federation;

Outbound tourism- tourism of persons permanently residing in the Russian Federation to another country.

Inbound tourism- tourism within the territory of the Russian Federation of persons not permanently residing in the Russian Federation.

Tourism international- outbound or inbound tourism.

Tourist- a person visiting the country (place) of temporary stay for medical and recreational, educational, physical education, sports, professional, business, religious and other purposes without engaging in activities related to generating income from sources in the country (place) of temporary stay, for a period from 24 hours to 6 months in a row or spending at least one night in the country (place) of temporary stay.

Tourist product- a set of transportation and accommodation services provided for a total price (regardless of the inclusion in the total price of the cost of excursion services and (or) other services) under an agreement on the sale of a tourist product.

Tour operator activities- activities for the formation, promotion and sale of a tourist product, carried out by a legal entity (hereinafter referred to as the tour operator).

Travel agency activities- activities for the promotion and sale of a tourist product, carried out by a legal entity or individual entrepreneur (hereinafter referred to as a travel agent).

Customer of a tourism product- a tourist or other person ordering a tourist product on behalf of a tourist, including the legal representative of a minor tourist.

Formation of a tourist product- activities of the tour operator in concluding and executing contracts with third parties providing certain services included in the tourism product (hotels, carriers, excursion guides (guides) and others).

Sales of tourism products- the activities of a tour operator or travel agent in concluding an agreement on the sale of a tourism product with a tourist or other customer of a tourism product, as well as the activities of the tour operator and (or) third parties in providing services to tourists in accordance with this agreement.

Association of tour operators in the field of outbound tourism- a non-profit organization that is a single all-Russian association, which is based on the principle of compulsory membership legal entities, carrying out tour operator activities in the field of outbound tourism on the territory of the Russian Federation, and acting to provide emergency assistance to tourists in accordance with the legislation of the Russian Federation.

Real damage subject to compensation as part of the insurance compensation under the tour operator's civil liability insurance contract - the actual expenses incurred by the tourist and (or) other customer to pay for transportation and (or) accommodation services under the contract for the sale of a tourist product, arising as a result of the Insured's failure to fulfill obligations under the sales contract tourism product in connection with the termination of tour operator activities due to the impossibility of the tour operator fulfilling all obligations under agreements on the sale of the tourism product.

Emergency help- actions to organize the transportation of a tourist from the country of temporary stay (payment for transportation services) and (or) other actions (including payment for accommodation services) carried out by the Association of Tour Operators in the Field of Outbound Tourism in accordance with this Federal Law in the event of failure by the tour operator to fulfill its obligations under an agreement on the sale of a tourist product in the field of outbound tourism in terms of the failure to provide, in whole or in part, to the tourist the included transportation and (or) accommodation services in connection with the termination of tour operator activities due to the impossibility of fulfilling all obligations under agreements on the sale of a tourist product.

Termination of activities of a tour operator - his inability to satisfy the requirements of customers of the tourism product - to fulfill all his obligations under the contract for the sale of the tourism product, including transportation and accommodation services, as well as the termination of the conclusion of new contracts for the sale of the tourism product, including the termination of their conclusion by travel agents selling the tourist product a product generated by such a tour operator, subject to a public statement from the Insured;

Public statement- an official written statement from the Insured with a message about the termination of the tour operator’s activities, posted on the Insured’s official website and sent to the authorized federal executive body, the Insurer and the Association of Tour Operators in the Field of Outbound Tourism (in the case of tour operator activities in the field of outbound tourism).

2.2. In accordance with Decree of the Government of the Russian Federation of December 31, 2004 No. 901 “On approval of the Regulations on the Federal Agency for Tourism” federal body The executive branch that carries out the functions of providing public services, managing state property, as well as law enforcement functions in the field of tourism and tourism activities is Rostourism.

The Federal Agency for Tourism, among other things, carries out the formation and maintenance of a unified federal register of tour operators (hereinafter referred to as the Federal Register of Tour Operators).

The activities of the Federal Tourism Agency are managed by the Ministry of Culture of the Russian Federation.

The rules for the provision of services for the sale of tourism products, approved by Decree of the Government of the Russian Federation of July 18, 2007 N 452, determine the federal executive body and its territorial bodies, which are entrusted with the functions of control and supervision in the field of consumer protection and the consumer market - the Federal Service for supervision in the field of consumer rights protection and human well-being (Rospotrebnadzor).

2.3. The tour operator is responsible to the tourist or other customer for the actions (inaction) of third parties providing services included in the tourism product, unless federal laws and other regulatory legal acts of the Russian Federation establish that a third party is responsible to the tourist or other customer.

Under an agreement on the sale of a tourism product, concluded by a travel agent, the tour operator is responsible for the failure to provide or improper provision of services included in the tourism product to the tourist and (or) other customer, regardless of who should have provided or provided these services.

3. TOUR OPERATOR LIABILITY INSURANCE AGREEMENT

3.1. Carrying out tour operator activities on the territory of the Russian Federation is permitted by a legal entity if it has a contract or contracts of civil liability insurance for failure to fulfill obligations under the contract for the sale of a tourism product and (or) a bank guarantee or bank guarantees for the fulfillment of obligations under the contract for the sale of a tourist product (hereinafter also referred to as - Financial support for the responsibility of the tour operator).

3.2. The tour operator's liability insurance contract must ensure the proper fulfillment by the tour operator of its obligations under all contracts for the sale of a tourism product concluded with tourists and (or) other customers directly by the tour operator or by travel agents on its behalf.

In the event of a tour operator’s failure to fulfill its obligations under an agreement on the sale of a tourism product in connection with the termination of tour operator activities due to the impossibility of the tour operator fulfilling all obligations under agreements on the sale of a tourism product, financial security for the responsibility of the tour operator must be guaranteed to each tourist or other customer who has entered into an agreement on the sale of a tourism product :

Return Money, contributed to the contract for the sale of a tourist product, for services paid for but not provided by the tour operator or third parties to whom the tour operator was entrusted with the fulfillment of obligations under the contract for the sale of a tourist product;

Payment of funds due to a tourist or other customer in compensation for actual damage arising as a result of the tour operator’s failure to fulfill obligations under the contract for the sale of a tourism product, including funds necessary to compensate for expenses incurred by the tourist or other customer in connection with an unexpected departure (evacuation) ) from the country (place) of temporary stay.

3.3. An insured event under a tour operator's liability insurance contract is the failure of the tour operator to fulfill its obligations under the contract for the sale of a tourist product in connection with the termination of the tour operator's activities due to the impossibility of the tour operator fulfilling all obligations under the contracts for the sale of a tourist product.

The basis for payment of insurance compensation under a tour operator's liability insurance contract is the fact of actual damage caused to a tourist and (or) other customer due to the failure of the tour operator to fulfill its obligations under the contract for the sale of a tourist product in connection with the termination of tour operator activities due to the impossibility of the tour operator fulfilling all obligations under the contracts sales of tourism products.

In this case, the date of the insured event is considered the day when the tour operator publicly announced the termination of tour operator activities due to the impossibility of the tour operator fulfilling all obligations under contracts for the sale of a tourism product.

In accordance with amendments to Federal Law No. 132-FZ of June 4, 2018, from September 3, 2018, in the event that the tour operator did not make such a statement, but ceased tour operator activities for the specified reason, which the authorized federal executive body became aware of, the date an insured event is considered the day the authorized federal executive body made a decision to exclude a tour operator from the Federal Register of Tour Operators on the basis of paragraph 16 of part 15 of Art. 42 of Federal Law No. 132-FZ.

3.4. The insurer has the right to make a recourse claim against the founders (participants) of the Insured, its director, members of the management bodies of the Insured in the amount of the paid insurance compensation in the event that the Insured's failure to fulfill obligations under the contract for the sale of a tourism product is caused by deliberate illegal actions (inaction) of the founders (participants) respectively. The Insured, its manager, members of the Insured's management bodies

3.5. The tour operator's liability insurance contract cannot provide for a deductible in the event of an insured event.

3.6. The insurer is obliged to satisfy the request of the tourist and (or) other customer for the payment of insurance compensation under the tour operator's liability insurance contract no later than thirty calendar days after the day of receipt of the specified request with the attachment of all necessary documents provided for by Federal Law No. 132-FZ.

3.7. To fulfill its obligations under the tour operator liability insurance contract, the Insurer has no right to require the submission of other documents, with the exception of the documents provided for by Federal Law No. 132-FZ.

4. SUM INSURED

4.1. The insured amount under the Insurance Agreement is determined by agreement between the Insurer and the Policyholder.

The insured amount in the Insurance Agreement must be set not lower than the amount of Financial Security for the Tour Operator's Liability established by Federal Law No. 132-FZ:

500 thousand rubles - for tour operators operating in the field of domestic tourism or inbound tourism;

five percent of the total price of the tourist product in the field of outbound tourism, but not less than 50 million rubles - for tour operators operating in the field of outbound tourism, with the exception of tour operators whose number of tourists in the field of outbound tourism for the year was no more than 10 thousand tourists inclusive, and the total price of the tourist product in the field of outbound tourism for the previous year amounted to no more than 40 million rubles;

10 million rubles - for tour operators whose number of tourists in the field of outbound tourism for the year was no more than 10 thousand tourists inclusive, and the total price of the tourist product in the field of outbound tourism for the previous year was no more than 40 million rubles.

4.2. Tour operators that did not carry out activities in the field of outbound tourism in the previous year, legal entities that intend to carry out tour operator activities in the field of outbound tourism and have not previously carried out such activities, as well as tour operators that previously carried out activities in the field of outbound tourism, but information about which was excluded from the Federal Register of Tour Operators in accordance with Part 16 of Art. 42 of Federal Law No. 132-FZ and who intend to carry out tour operator activities in the field of outbound tourism must have financial support for the responsibility of the tour operator in the field of outbound tourism in the amount of at least 50 million rubles.

4.3. If a tour operator carries out tour operator activities in several areas of tourism, the largest amount of financial security for the responsibility of the tour operator is applied.

A tour operator operating simultaneously in the field of outbound tourism and in the field of inbound tourism and (or) domestic tourism, who has formed a tour operator’s personal liability fund in the maximum amount and has received an exemption from financial support for the tour operator’s liability in the field of outbound tourism and payment of contributions to the tour operator’s personal liability fund, must have financial security for the tour operator's liability in the amount of 500 thousand rubles.

4.4. If the tour operator concludes more than one insurance agreement or more than one agreement on the provision of a bank guarantee, or the tour operator concludes an agreement or agreements on insurance and an agreement or agreements on the provision of a bank guarantee, the insurance amounts and the amount of the bank guarantee under these agreements are determined in such a way that in the aggregate they are not less than the amount of financial security for the tour operator’s liability provided for by Federal Law No. 132-FZ.

5.VALIDITY OF THE INSURANCE AGREEMENT

5.1. The tour operator's civil liability insurance contract is concluded for a period of at least one year.

5.2. If several contracts of civil liability insurance of a tour operator are concluded, the corresponding contracts must enter into force and terminate at the same time.

5.3. The tour operator's civil liability insurance contract for a new term must be concluded by the tour operator no later than forty-five days before the expiration date of the tour operator's liability insurance contract.

A tour operator's liability insurance contract concluded for a new term must begin to be valid from the day following the day of expiration of the tour operator's liability insurance contract.

Information on whether the tour operator has financial security for the tour operator's liability for a new period is submitted to the authorized federal executive body no later than forty-five days before the expiration date of the tour operator's liability insurance agreement.

5.4. In the event that the Insurer, with whom the tour operator has entered into a liability insurance agreement, has had its license to carry out insurance revoked or such an organization has been declared insolvent (bankrupt) in accordance with the legislation of the Russian Federation, the tour operator must no later than 45 calendar days from the date of receipt of the relevant notification from the authorized federal executive body submit to the authorized federal executive body a document confirming that the tour operator has financial security for the tour operator’s liability.

6. DOCUMENTS AND INFORMATION FOR RISK ASSESSMENT

When accepting tour operator liability risks for insurance, Insurers and Reinsurers are recommended to request the following documents:

Completed, dated and signed by an authorized person Application for Insurance;

Business plan (if the legal entity is newly created);

Copy of TIN certificate;

A copy of the OGRN certificate;

Copies of passports (1-2 and 3-4 sheets) of officials;

Copies of agreements with host parties for the accommodation of tourists;

Copies of contracts with carriers;

Reporting sent by the tour operator to Rostourism - a report on the activities of the tour operator in selling the tourist product in the field of outbound tourism in the reporting year and information on the tour operator’s compliance with the standard ratio of funds (capital) and assumed obligations in the reporting year;

Balance sheet (all forms) with a mark from the Federal Tax Service (if sent to the Federal Tax Service in in electronic format– attaching copies of the incoming control protocol, if sent to the Federal Tax Service by mail – attaching the counterfoil of the postal receipt) for the last two reporting years and as of the last reporting date;

Income tax return with a mark from the Federal Tax Service Inspectorate (if sent to the Federal Tax Service Inspectorate electronically, attach copies of the incoming control protocol; if sent to the Federal Tax Service Inspectorate by mail, attach the counterfoil of the postal receipt) for the last two reporting years;

Balance sheet for accounts 50, 51 and 52 for cash flow items for the last two reporting years and as of the current date;

Balance sheet for account 76 by cash flow items or breakdown of accounts receivable and payable for the last two reporting years and as of the current date.

7. RISK ASSESSMENT FACTORS

When accepting risk for insurance/reinsurance, insurance/reinsurers are recommended to take into account the following factors:

The nature of the risks for which insurance is carried out (failure by the tour operator to fulfill its obligations under the contract for the sale of a tourism product without specifying the reasons for non-fulfillment and the grounds for liability);

Wording and date of the insured event - a public statement by the tour operator about the termination of tour operator activities due to the impossibility of the tour operator fulfilling all obligations under contracts for the sale of a tourism product, or without a public statement when the tour operator ceased operations for the specified reason - the day the authorized federal executive body made a decision on exclusion tour operator from the Federal Register of Tour Operators;

Current legislation regarding the regulation of the activities of a tour operator, including the scope of responsibility of the tour operator;

Composition of insurance compensation under the tour operator's civil liability insurance contract;

No deductible under the tour operator's civil liability insurance contract;

The period established by Federal Law No. 132-FZ for satisfying the request of a tourist and (or) another customer for payment of insurance compensation under the tour operator’s liability insurance contract and a list of documents.

Insurers/Reinsurers, when accepting risk for insurance/reinsurance, are recommended to carry out comprehensive tour operator check, including its experience, managers, reputation, areas of activity, financial condition, development plans and other performance indicators.

First of all, it is necessary to analyze changes in the financial statements of the tour operator compared to the previous period (total income, total expenses, revenue, net profit). If sudden changes are detected, you must obtain information from the tour operator Additional information about changes in activities compared to last year:

New areas of activity (types of tourism, countries);

Opening of new offices;

Other information about the activities of the tour operator.

In addition, the following factors are considered significant when assessing risk:

FP – arithmetic average for the first group of factors

OP – arithmetic average for the second group of factors

PP – arithmetic mean for the third group of factors

The insurer also needs to evaluate the following additional risk factors:

According to amendments to the Law “On the Fundamentals of Tourism Activities in the Russian Federation”, from June 1, 2007, inbound and outbound tourism tour operators are required to have a travel insurance policy. tour operator liability insurance or bank guarantee.

Basic conditions for tour operator liability insurance for failure to fulfill or improper fulfillment of obligations under a contract for the sale of a tourism product in LLC RSO "EVROINS" are presented in this section.

Sums insured

From January 1, 2017 (Article 4.2 of Law No. 132-FZ), the following amounts of security are established:

1. For tour operators / travel companies operating in the field of inbound tourism and/or domestic tourism - 500 thousand rubles.

2. For tour operators/travel companies operating in the field of outbound tourism:

• not less than 10 million rubles - for tour operators whose number of tourists in the field of outbound tourism for the year was no more than 10 thousand tourists inclusive, and the total price of the tourist product in the field of outbound tourism for the previous year was no more than 40 million rubles;
• five percent of the total price of the tourist product in the field of outbound tourism, but not less than 50 million rubles - for tour operators whose number of tourists in the field of outbound tourism for the year was more than 10 thousand tourists inclusive, and the total price of the tourist product in the field of outbound tourism for the previous year amounted to more than 40 million rubles;
• no less than 50 million rubles - for tour operators who did not carry out activities in the field of outbound tourism in the previous year;
• no less than 50 million rubles - for legal entities intending to carry out tour operator activities in the field of outbound tourism and who have not previously carried out such activities.

The amount of the insurance premium is determined depending on the characteristics of the tour operator and the terms of insurance.

Insurance case

An insured event is the fact of establishing the obligation of the tour operator to compensate the tourist for real damage resulting from the failure or improper fulfillment by the tour operator of obligations under the contract for the sale of a tourist product, provided that this occurred during the validity period included in the agreement. tour operator liability insurance clause.

Insurance period and tariffs for tour operator liability insurance

The insurance period under the insurance contract is set at 1 year. By agreement of the parties, a longer insurance period may be established under the contract. The basic tariff rate is 0.95% of the insured amount.

When calculating the final amount of the insurance premium, increasing and decreasing factors may be taken into account, taking into account:

• experience as a tour operator,
• business reputation of the tour operator,
• scale of the company’s activities (annual turnover, size of the “distribution” network, etc.),
• financial results,
• claims statistics and other risk factors.

The remaining insurance conditions can be found in the Rules for civil liability insurance for failure to fulfill obligations under an agreement on the sale of a tourism product. Special insurance conditions and exclusions can be agreed upon when signing an insurance contract with each individual client.

There is practically no free medical care in our country. Those types of medical services that our citizens do not pay for in their own country are also not free. Everyone knows that they are paid for by insurance companies, the policies of which are available to all Russian citizens.

Considering entry tourism, it should be noted that until recently, when entering the territory of the Russian Federation, foreign tourists were not required to have a health insurance policy.

Since 1999, a mandatory condition for entry into the Russian Federation has become the presence health insurance for citizens of countries that have signed the Schengen Agreement, as well as for citizens of Israel, Finland and Estonia.

If a foreign state introduces a procedure according to which medical insurance is a mandatory condition for the entry of Russians into its territory, the Russian Ministry of Foreign Affairs, in accordance with the resolution of the Government of the Russian Federation “On health insurance foreign citizens temporarily staying in the Russian Federation, and Russian citizens when leaving the Russian Federation” must introduce similar conditions for citizens of this state entering our country.

Foreign consulates of the Russian Federation are ordered not to issue visas to foreign citizens of these countries entering Russia who do not have medical insurance for the entire duration of their stay in the Russian Federation. For citizens of other countries, having medical insurance when traveling within the territory of the Russian Federation is a recommendatory measure.

The said resolution also approved the “Regulations on Health Insurance”. It states that medical insurance for foreigners coming to us should be provided by those insurance companies that have entered into a reinsurance agreement with either Russian insurance or service organizations, i.e. foreign insurers must reinsure their risks with Russian companies. Since, according to Russian legislation, foreign insurance companies cannot directly operate in Russia, they must enter into an agreement with Russian insurers, who will serve their clients. Among Russian companies, offering reinsurance services, can be called: “Ingosstrakh”, “ROSNO”, “Spassky Vorota”, “Industrial Insurance Company”, “RESO-Garantiya”.

An insurance company usually enters into a service agreement with a competent and professional service organization that has the necessary network of medical institutions, monitors the quality of service and covers the costs associated with servicing its client or creates its own service system. Such a system is now being formed in our country.

In 1999, the founding congress of the International Association of Insurance Assistance Companies (MAXA) was held. Then the association included 60 insurance, reinsurance and service companies, as well as firms engaged in tourism and related businesses - transportation, medical and legal services. They represent ten countries of Eastern Europe, among which Russian, Belarusian and Ukrainian firms predominate. Among them one can name such Russian insurance companies as Spasskie Vorota, Ingosstrakh, Interservice, Russian Assistance, CLASS-assistance, Medexpress-Service, etc. The All-Russian Union of Insurers also became a member of MAXA . The new association plans to unite service companies in Eastern Europe and create an alternative service market in the post-Soviet space.

Every citizen of Russia has a medical policy valid throughout the country. And the first thing that tourists traveling around their home country must be instructed about is that they always need to have their medical insurance with them when traveling.

Sometimes during tourist travel specific risk factors may arise. And then it is necessary additional insurance.

Insurance programs for domestic tourism can be considered using the example of the Ingosstrakh program. The experience gained in insuring Russian tourists outside the country was fully taken into account when developing a program for insurance of medical and medical transport expenses, which provides for round-the-clock provision of service center services. This program guarantees the organization of assistance and payment for outpatient and inpatient treatment in the best Russian clinics in the event of a sudden illness or accident, medications prescribed by a doctor. It also guarantees the organization of services and payment of expenses for transportation by ambulance, emergency medical evacuation (including the cost of an accompanying medical team or accompanying person) and other expenses.

The tour package also includes an accident insurance program, which provides one-time payments in case of injury, disability and other circumstances.

In addition to the above, a luggage insurance program is offered, which provides not only compensation for damage in the event of theft, damage or loss of insured property, but also payment for services for searching and forwarding items, as well as for examination and repair of damaged luggage.

Ingosstrakh has an extensive network of branches and representative offices, as well as subsidiaries that are part of the transnational insurance group of the same name. 24/7 service center for the provision of emergency medical and other assistance, equipped in Moscow on the basis of the Ingosstrakh subsidiary TIM-Assistance, through an extensive correspondent network provides assistance to any insured person, even in the most remote corner of our country. The network includes medical institutions, transport companies, and local coordinating doctors. The costs of an emergency call to the service center are reimbursed by Ingosstrakh.

For citizens of the Russian Federation, depending on the range of insurance services and the insured amount, Ingosstrakh offers three types of policies: individual, tourist, professional.

Professional policy used to insure athletes going to training and competitions, as well as people traveling to work in high-risk areas (vehicle drivers, electricians, miners, etc.). A flexible system of discounts is provided for organized groups and children.

Cooperation with Ingosstrakh can be arranged in Moscow offices, regional representative offices and branches of Ingosstrakh, subsidiaries.

Tour operators and domestic tourism agencies should treat the package of services as a guarantee of their safety. This applies to all types of routes, but especially to those associated with increased risk (sports, hiking, mountain routes, hunting, fishing, etc.) and with visits to high-risk regions (Siberia, Kamchatka, the Urals, Altai, Transbaikalia , North Caucasus and etc.). The cause of an accident can be not only physical injury, but also the bite of a poisonous animal or plant, poisoning from poisonous mushrooms or berries, and much more.

When taking out a policy, the degree of risk during travel is taken into account. And depending on the degree of risk, the insurance premium is set. For example, on a hike of the 6th difficulty category the risk is much greater than on a hike of a lower difficulty category. According to statistics, in water and mountain trips the incidence of injuries, and therefore the risk, is much higher than, for example, in hiking and skiing. At the same time, collective insurance (groups, tourist sections) is cheaper.

It should be noted that the insurance movement is useful in another sense. Thus, travel insurance companies often invest in preventive measures, such as providing tourists with radio stations. Sometimes it is more profitable to install a fence near a cliff at the company’s expense than to later pay an insurance premium to a client who fell from it. This is facilitated by close cooperation between tour operators and insurance companies in the field of tourist services.

Interesting experience Krasnodar region(Sochi) for organizing insurance for visiting tourists. The material base and capabilities of “free” medicine in Sochi (providing all-Russian insurance policies) are significantly lower than those that may be in demand by tourists during the peak season. However, commercial medical institutions are ready to serve visiting tourists and provide them with timely and high-quality medical care under certain conditions.

In 1997, the Law of the Krasnodar Territory “On tourism activities in the Krasnodar Territory” No. 89 was adopted, in accordance with which the Sochi Agreement was created, offering a new insurance product: “Comprehensive insurance of tourists and vacationers in the resort of Sochi.” The list of medical institutions providing services to insured citizens under the comprehensive tourist insurance program includes eight centers, including an ambulance station, a multidisciplinary children's and infectious diseases hospital, a surgery and rehabilitation center, etc.

The policy provides voluntary medical insurance and accident insurance. The insurance premium is 5 rubles. per day. Insurance liability in the first case is 5 thousand rubles. When insuring against an accident, liability is 10 thousand rubles. Of course, such amounts of insurance liability are extremely small. Unfortunately, there are cases when much more coverage is required. But here the schemes of the all-Russian medical policy already come into effect, and this type of insurance in this case plays the role of an insurance franchise.

The introduction of a comprehensive insurance program does not exclude the possibility of receiving free medical care. In addition, in full compliance with antimonopoly legislation, this program does not prohibit citizens from purchasing policies from other insurance companies that are not parties to the Sochi Agreement. This option should be assessed as one type of insurance product that serves to increase guarantees of assistance to tourists. When purchasing a tour, choosing the range of insurance offered, a tourist can decide what is most suitable for him and who will be the guarantor of medical care.

New forms are being introduced on the Russian tourist insurance market. Thus, the insurance company "RESO-Garantia" offers a program insurance for inability to travel. What is covered by insurance, i.e. what cases are insured?

Insurance coverage cannot cover tourist negligence or force majeure. For example, if a tourist missed the plane, the flight was canceled or the airline employees went on strike, then no insurance company will pay for it.

Insured events are: illness of the client or a close relative, death of a close relative, failure to receive a visa (only if the fact of non-issuance is confirmed by the consular service), subpoena, military registration and enlistment office. This is a standard list of conditions.

The benefit of this insurance program lies primarily in the fact that the insurance company becomes a kind of buffer or intermediary between the travel agency and the client. According to the terms of the contract, the refundable amount varies depending on how long before the start of the trip the tourist notifies of his refusal. The company will be able, on the one hand, to create a pleasant impression of its work, and on the other, avoid financial problems.

Currently, the travel insurance market is in its infancy. There is some competition between insurance companies. The means of competition are quality of service, variety of services, prices and tariffs. One way to reduce the insurance rate is a deductible.

Franchise - exemption of the insurer from compensation for losses in a certain amount provided for by the insurance conditions. This means that the client pays part of the loss himself. Most companies have been working with franchises for a long time. It has become an integral part of insurance. The trip of foreign tourists, as a rule, begins with the guide inviting them to carefully read the insurance policy again, paying special attention to the deductible clause. In Western countries, the deductible is usually around $50. Where does this amount come from? This is the cost of the first visit to the doctor and general medical examination, which is paid by the tourist himself. All other expenses are covered by the insurance company. Such programs are offered by RESO-Garantiya and some other insurance companies.

Many insurance companies are striving to develop a unified policy and uniform tariffs. Then competition in the insurance market will not be expressed in lower rates, but in the level of service provided, which is always in favor of the client.