Keywords
insurer
insured
insurance protection system
insurance risks
How to Cite
Abstract
The author proposed the approach to the interpretation of the essence of the concept of "insurance in tourism", which based on a review of existing scientific developments. On the point of author, it's the special type of civil law relations regulated by the insurance contract, related to the provision of insurance protection in case of insured events in conditions of uncertainty and the impact of risks that accompany the activities of domestic and foreign tourism. The relationship between the insurer and the insured within the framework of concluded agreements regulates the payment of insurance amounts, assessment of insurance risks, application of conditional and unconditional deductible, insurance indemnities, etc. and are systemic in nature. The author substantiates the need to form a system of insurance protection in tourism. In particular, such a system should provide legal registration of compulsory, medical, accident and other types of tourist insurance, finding ways to minimize the impact of negative risks and threats and the formation of personal and collective security of tourists, expanding services to insure medical expenses of tourists in a pandemic Covid 19, need for accident insurance. Improved insurance protection system in tourism, which is a set of interrelated elements that interact closely with each other, determined depending on the form of insurance and insurance services, the probability of insured events, the need for insurance to ensure protection and safety in tourism. It is noted that in the tourist market insurance services are provided in compensation and service (assistance) forms. It is proved that the systematization of risks in tourism should be carried out according to the criteria of their division into the risks of the tourist and the risks of tourist organizations. he most typical types of risks in tourism are financial, organizational and operational. Risks in tourism require clear identification, measurement, evaluation and insurance. Insurance is recognized as one of the effective risk management strategies aimed at minimizing them.
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