Planning an adventure trip? Know about insurance policies that cover adventurous activities

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Injuries caused during adventure sports like zip lining, para-gliding, bungee jumping, canoeing & kayaking, glacier climbing, dirt biking, skiing, kite wing, bobsledding, scuba diving, are covered under adventure sports travel insurance policy. It provides assistance in unfortunate situations like death or accident.

In the event of an accident during adventure sports, there are certain conditions for the sum insured to be paid. The sum insured is payable only if all the activities are carried out under the supervision of trained professionals and the person taking the insurance cover has followed all the rules and safety measures as prescribed by the trainer.

Every company has a different policy

Each company has its own separate policy for adventure sports travel insurance. In adventure sports travel insurance, some companies conduct physical examination of their consumer before such sports. Some companies do not include more deadly sports like dirt biking, glacier climbing etc. in their policy.

Adventure sports travel insurance covers-

– Protection against damages caused by natural calamities. – Medical expenses in case of an accident or illness. – To provide a lump sum amount to the family after death of the particpant in an accident. – Insurance of games played in fire, water and air. – Luggage lost during travel. – Falling ill between travel and sports. – Cancellation of journey or delay of the flight. – Plane crash. – Injury during the game. – Emergency medical treatment.

Keep these things in mind

– Whether the company provides policy insurance in the state or country where you are going for adventure sports.

– The company policy covers the adventure sports you are going for.

– The company’s policy meets all your needs.

Insurance companies like HDFC ERGO, Bharti AXA General Insurance, Bajaj Allianz General Insurance etc. are also including adventure sports in insurance plans. In some companies, adventure sports policy has been implemented specifically, while some companies have given add-on features of adventure sports in existing insurance plans.