Travel agencies selling travel accident insurance: premium withholding and fake free-insurance issues

Some travel agencies, under the pretext of arranging or gifting travel accident insurance, withhold premiums, offer fake free insurance, or fail to insure, giving rise to compliance and compensation disputes. Judicial rulings have clarified that free-insurance promotions can constitute a contractual offer, and a travel agency in breach must bear compensation liability within the insurance coverage amount. In the Xining case, the travel agency collected a 200 yuan premium but actually spent only 10.2 yuan, and the difference was found to be unjust enrichment; in the Qingyuan case, the tour fee included insurance but no insurance was purchased, and the travel agency was ordered to pay 100,000 yuan in compensation. Related reports suggest that travel agencies should implement reminders and disclosures, authorization confirmation, insurance placement and policy delivery, while tourists need to check policies and verify their authenticity through the insurance company's official channels.