With spring in full bloom, it’s the perfect time for outings. While most travelers opt for general accident insurance and accident medical insurance, the proportion of those purchasing outdoor sports insurance is very low—less than 5%. A staff member from Huatai Insurance stated: “For travel, especially for intense and high-risk outdoor activities, relying solely on general accident insurance or life insurance is not enough. Travelers need to purchase specialized outdoor sports insurance.”
General accident insurance and life insurance typically exclude accidental injuries resulting from outdoor sports as exempted liabilities. Therefore, consumers are reminded to carefully review the relevant terms when purchasing outdoor insurance, especially the exemption clauses. In fact, outdoor sports insurance is not expensive. Depending on the duration and type of assistance, it generally costs around 5 or 10 yuan. Companies such as Ping An Insurance, Huatai Insurance, and Dadi Insurance all offer online purchase options.
Different insurance products cover different outdoor activities, so it’s important to choose and purchase based on your planned route and the activities you intend to participate in.
No matter which insurance you choose, if an emergency occurs during your trip, you must notify the insurance company within the specified period; otherwise, you may face claims investigations or even denial of compensation.
A financial planner from Huatai Property Insurance emphasized: “When purchasing outdoor sports insurance, it is essential to read the relevant terms, especially the exemption clauses. Outdoor activities such as diving, skiing, water skiing, bungee jumping, surfing, rock climbing, rappelling, wilderness trekking, orienteering, canyoning, paintball, and rafting are covered for personal injury or death caused by accidents. However, death due to personal health conditions, such as sudden heart attacks, is not covered.”
When choosing outdoor insurance, it’s also important to pay special attention to whether accident medical insurance is included, as proper combination is crucial.
Reporters from Xinmin Daily: Rong Jingyuan and Zhuang Shumei
TIPS: Configure additional coverage as needed
During travel, in addition to personal injury, belongings are also at risk. To address property losses that may occur during trips, insurance companies offer related additional coverage to compensate for such losses. For example: emergency medical evacuation and repatriation expenses, loss or damage to personal luggage and belongings, baggage delays, trip cancellations, trip delays, shortened trips, and more. Insurers can provide compensation for these incidents. There is also personal liability insurance: if the insured is legally liable for compensation due to personal negligence causing harm to others or damage to their property, the insurer can cover the costs.
Author: Rong Jingyuan and Zhuang Shumei
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