Yes. Adventure sports activities are covered by some travel insurance policies. They cover any medical costs you might have if you are hurt while taking part in adventure sports while on your trip. While just a small percentage of them do so, some might do so as an add-on cover.
Although fundamental travel insurance policies could include risk-free activities like horseback riding, fishing, etc. But, you will need to purchase an adventure sports travel insurance policy if you intend to engage in risky activities like paragliding, diving, surfing, skiing, river rafting, snowboarding, etc. The following list of adventure sports is a sample of what might be covered by the bajaj allianz travel insurance policy:
- Mountaineering
- Mount Bike riding
- Fluvial rafting
- Ziplining
- Paragliding
- Snowboarding and skiing
- Water skiing
- Climbing rocks
- Jumping out of a plane
- Scuba diving and snorkelling
- Bungy Jumping
What justifies purchasing adventure sports travel insurance?
Adventure sports can make you feel ecstatic and are dangerous. Yet if something goes wrong even slightly while playing the sport, it might cause life-threatening injuries or even passing away. Yet, the majority of conventional travel insurance plans in India do not cover such plans due to the high risk of accidents and fatalities. As a result, you will be compelled to incur significant financial losses by covering all of your own tour treatment costs abroad.
Adventure sports travel insurance claims
It is important to establish another party’s fault in order to successfully submit a claim under a bajaj allianz travel insurance with adventure sports coverage. You have the option to submit a claim to your insurer in one of three major situations. Look at the situations when someone else’s negligence can be established in the event of an adventure sports accident:
- Defective Equipment
It is the duty of the adventure sport’s organiser to use safety equipment. They must accommodate your requirements during the action. In the event of an injury, you may file a claim against defective, outdated, or faulty equipment. As a general rule, you must check the tools that have been given to you before using them.
- Insufficient Training
Before engaging in adventure sports, proper preparation is necessary. To provide the participants with the best protection possible, the adventure activity instructors must adhere to all applicable regulations and undergo extensive training.
- A disregard for safety precautions
The majority of adventure activities have set safety rules, such as maximum weight, minimum height, or age restrictions. Any safety guidelines or rules must be followed by the organisers. You can file a claim with your international travel insurance online company in the event of an accident caused by the organiser’s disregard for safety precautions.
Advice on purchasing adventure sports travel insurance
- Coverage for Your Particular Adventure Sports – The travel insurance policy does not provide coverage for all types of adventure sports. Make sure to carefully study the policy documentation and only purchase the coverage if it covers the activities in which you are interested.
- Coverage for Return of Mortal Remains—In the tragic event that a traveller passes away while engaging in adventure sports, the expense of transporting the demised person’s mortal remains back home could be prohibitive. So, think about getting a travel insurance policy that includes repatriation of mortal remains to your country of origin owing to engaging in adventure sports.
- Make sure you have emergency medical evacuation coverage. If you are hurt while participating in an adventure activity, this coverage will assist you to get transported as fast as possible to the nearest hospital where you can receive treatment.
Make sure you follow the advice to avail yourself of the benefits of travel insurance.
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
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