老年旅游保险的现状与发展对策

Current Status and Development Strategies of Senior Travel Insurance

摘要: 随着我国进入深度老龄化社会，“银发族”已成为旅游市场增长引擎，但相关保险发展滞后。本文分析发现，当前市场存在专属产品供给不足、保费高且保额受限等问题；同时，数字化壁垒导致的“数字鸿沟”及老年人风险意识淡薄，进一步制约了参保积极性。为此，保险机构应创新产品设计，建立健康导向的精准定价模式；同步开展适老化改造，通过线上简化流程与线下人工服务弥补技术鸿沟；并加强跨行业协作与定向宣传，提升老年群体风险防范意识。通过多措并举，构建完善的风险屏障，保障老年旅游业安全发展。

Abstract: As China enters a stage of deep aging, the “silver-haired” demographic has emerged as a key engine for growth in the tourism market; however, the development of related insurance products has lagged behind. This paper identifies several issues in the current market, including a shortage of dedicated products, high premiums, and limited coverage. Meanwhile, the “digital divide” caused by technological barriers and a generally weak risk awareness among the elderly further dampen their willingness to purchase insurance. To address these challenges, insurance providers should innovate product design and establish health-oriented, precise pricing models. Concurrently, age-friendly adaptations are needed—such as streamlining online processes and providing in-person assistance—to bridge the technological gap. Furthermore, strengthening cross-industry collaboration and conducting targeted outreach are essential to raising risk awareness within the elderly demographic. Through these comprehensive measures, we can build a robust risk protection framework to ensure the safe and sustainable development of senior tourism.