The world is so vast — who doesn’t want to go see it? The distance traveled is constantly shrinking, the gear we wear is continuously upgraded, but the risks in pursuing dreams still remain. The cost of life and the responsibilities of daily living leave those brave hearts without the courage to chase the mysterious aurora or ride the winds and waves in the depths of the ocean.
Many outdoor sports enthusiasts, especially those passionate about extreme sports, think of insurance first before setting off. Using insurance products to share risks is indeed a smart choice, yet there are very few truly specialized high-risk outdoor activity insurance options on the market, and comprehensive coverage for various outdoor sports remains a blank. For those new to the field, many seasoned outdoor adventurers recommend the outdoor insurance expert Huize.com. The Huize.com platform already offers many outdoor sports products such as cycling and kayaking, but recently they’ve made a new move — independently developing and designing the world’s first insurance product tailored for people engaging in high-risk outdoor activities.
10Month26On the morning of the 1st, Huize.com, in collaboration with Modern Property Insurance, held a professional outdoor sports protection product launch event in Beijing under the theme “For the Brave, For the Dream.”Officially releasing“Brave Tribe” — the world’s first insurance product tailored for people engaging in high-risk outdoor activities.For the majority of outdoor sports enthusiasts, this launch event itself was a celebration prepared for them.Huize.com founder andCEOMr. Ma Cunjun, together withMr. Li Menfu, President of Modern Property Insurance, jointly inaugurated the product launch ceremony.The world’s largest rescue organization, Europ Assistance,the BeiDou global positioning system,satellite positioning systems, as well asthe National Meteorological Administration, industry experts and scholars, seasoned outdoor sports enthusiasts,media representatives, all witnessed the launch of the new product, ushering in a new era of professional outdoor sports protection.,Media representatives jointly witnessed the launch ceremony of the new product, ushering in a new era of professional outdoor sports protection.
Having the courage to pioneer the industry Protecting the brave
Nowadays, activities such as diving, rock climbing, and hang gliding are among the many“emerging” trendy sports gaining popularity. For such extreme activities, can regular travel accident insurance from insurance companies provide coverage? The response from insurers is unanimous: “Not covered. These activities are highly dangerous, and most people lack the professional skills, making the risks too great!” What frustrates extreme sports enthusiasts is that these high-risk sports are often listed as exclusions under personal injury coverage.,Meanwhile, the few existing sports insurance products on the market that claim to cover high-risk activities are only extended coverage by a small number of insurers, often at high prices with even more restrictions.More.
The “Brave Tribe” professional outdoor sports protection product developed by Huize.com this time covers a variety of high-risk activities such as rock climbing, hang gliding, and diving. Each activity comes with personalized insurance plans tailored to different types of participants. For example, the diving category includes “Snorkeling and Scuba Experience Plans, Certification Plans, and Amateur Plans,” with coverage details extending to medical expenses for marine life injuries, onshore accident medical costs, medical evacuation expenses for diving accidents, compensation for lost diving equipment, personal liability for divers, accidental death and disability compensation due to diving incidents... Premiums vary flexibly by the number of days, starting as low asRMB [amount missing], offering up to5RMB [amount missing]60in accidental death compensation and80100,000 RMB in personal liability coverage. It not only provides a full product line of services covering all outdoor sports activities for outdoor enthusiasts, but also offers protection for all participants, including professional outdoor guides and coaches—often considered "high-risk professions."
Helicopter with camel Rescue knows no mix-and-match limits
Unlike other types of insurance, what outdoor sports participants often care about first after purchasing coverage isn’t the payout amount,
but whether they can receive the most timely rescue in an emergency. In response, Huize.com provides risk warnings before, during, and after incidents. According to Mr. Yu Zhou, Commercial Director of the Open Platform Business Unit at Huize.com and the designer of this product, Huize.com has partnered with the China Meteorological Administration to offer users the most professional and authoritative weather alert information. It has also brought in the internationally top-tier Europ Assistance rescue group to provide lightning-fast rescue services. Coupled with the Beidou Box, which features dual-satellite global positioning, the service is monitored around the clock by the Huize customer service center.24The 24/7 monitoring of satellite devices allows for full control over outdoor risks, achieving truly rapid detection, rapid rescue, and rapid claims settlement. Every effort is made to deliver rescue services before injuries occur, resolving the previous awkward situation where rescues could only begin after reaching a hospital due to communication limitations and traffic restrictions. This ensures users can access more efficient and professional rescue protection the moment they engage in outdoor activities.
To better serve users with this product, Huize.com has activated the world’s largest search and rescue+medical rescue network system, putting user life safety first. As an expert in outdoor insurance, Huize.com deeply understands the needs of outdoor rescue. Considering that outdoor scenarios are complex and often involve limited transportation options, Huize.com will mobilize all available transport resources to ensure rescue teams arrive as quickly as possible. Depending on the situation, helicopters, camel caravans, or even yak teams are viable rescue options.
Product design driven by user needs Delivering the goodwill of insurance
For outdoor sports enthusiasts, what really matters is whether Huize.com can truly deliver an outdoor sports insurance product that many insurers shy away from. It is reported that this is not Huize.com’s first foray into outdoor activity protection—in fact, as early as2006, Huize.com launched its first outdoor cycling insurance, and has since continued to deepen its presence in the field of outdoor insurance, conducting in-depth research into the needs of outdoor sports enthusiasts.
Outdoor sports coverage involves high risks and requires strong expertise. With its ten years of experience in outdoor insurance and continuous accumulation of professional knowledge in outdoor rescue and claims, Huize.com has confirmed the feasibility of high-risk outdoor sports insurance products. It has selected the globally powerful modern property insurance company as a partner and collaborated with a reinsurer to provide “second-layer protection” for the "Brave Tribe," making professionalism and strength the foundation of its launch.
The birth of an insurance product begins with attention to user needs. Based on10years of accumulated big data, and oriented towards diverse user needs, Huize has designed and developed the world’s firstinsurance product tailored specifically for high-risk outdoor sports participants.Compared to risk control,“tailor-made” better reflects the new direction of the insurance intermediary era. As a leading internet insurance intermediary, Huize.com advocates forcustomer needs, mobilizes industry resources, and customizes every insurance product for its quality clientele, delivering the goodwill of insurance with heartfelt dedication.