From 1990, Xiamen Municipal Bureau of Tourism recommended travel services/ agencies to take out insurance against accidental injury for package travelers home and abroad. From 1993, the Bureau made it compulsory for travel services / agencies to take out insurance against accidental injury for package travelers home and abroad. Every travel agency is required to conclude insurance contracts with Xiamen Property Insurance Company, PICC and stipulated that the relevant agency pays 30 yuan as premium for an insured amount of 30,000 yuan on behalf of each overseas tourist and 10 yuan as premium for an insured amount of 10,000 yuan on behalf of each domestic tourist. Now the insurance coverage has reached 100%.
In September 1, 1997, Xiamen Municipal Bureau of Tourism recommended Xiamen Life Insurance Company, PICC as the only eligible insurer to sign insurance contracts with respect to accidental injury of tourists with the travel services/ agencies of Xiamen City in Xiamen with a view to carrying out the State Administration of Tourism Ordinance (No.9) and the Temporary Provisions on Travel Agencies Taking Out Insurance Against Accidental Injury on behalf of tourists. The premium and insured amount remained the same for both overseas and domestic touring parties/ teams. The premium and insured amount for each outbound tourist, which was a newly-introduced coverage at that time, was set at 30 yuan and 300,000 yuan respectively. The premium and insured amount for one-day excursion tourists was increased to 3 yuan and 30,000 yuan per capita respectively.