The adrenaline rush is the primary reason why many people choose adventure sports. High-intensity sports activities such as bungee jumping, racing, and paragliding, are some of the most sought-after adventure sports. If you are someone inclined toward adventure sports, you must be well aware of the risks and injuries involved. It is common to hear about accidents and injuries suffered by athletes who practice these sports. Therefore, it is also necessary to seek appropriate insurance coverage for yourself so that you’re better prepared for such situations. Muscle sprains, bone fractures, injuries to the joints, and dislocation of joints are just some examples of injuries that may occur during an adventure activity.
health insurance plans
are an effective way to seek financial protection against medical emergencies. Using the right insurance cover, you can seek financial coverage for unexpected medical situations
Do Health Insurance Plans Cover Injuries for Adventure Activities?
While it may seem logical to extend coverage for medical treatments caused by adventure activities, the real answer to this question depends on the policy terms. You need to look for specific insurance plans designed to cover your high-adrenaline lifestyle.
The Insurance Regulatory and Development Authority of India (IRDAI) aims to reduce exclusions and introduce standardized policy covers. The coverage for sports-related injuries depends on the type of policyholder. For an athlete indulging in professional high-intensity sports such as motor racing, scuba diving, or mountaineering, the injuries due to these hazardous activities are excluded from the policy coverage. You can visit the official website of IRDAI for further details.
On the other hand, since most of the individuals that choose insurance coverage do not fall in this category, coverage for adventure sports is included in the health insurance coverage (subject to policy terms).
However, before buying a policy, keep in mind what is included therein. For example, coverage for adventure sports generally excludes outpatient department (OPD) costs. This exclusion will have the costs of any OPD treatment be required to be borne by you despite having insurance coverage. For a common person performing adventure sports as one of the hobbies, these forms of injuries mostly result in OPD treatments and not the ones that require surgeries. Since the treatment cost is also not very high, it is financially manageable at most times and for most individuals.
*Standard T&C Apply
How to Purchase a Health Insurance Plan That Covers Adventure Sports?
Unlike traditional insurance plans that required you to either visit the insurance company’s office or visit an insurance agent, modern-day health insurance plans allow you to purchase policies online. This way, even between your busy schedules, you can buy the right health insurance cover. Moreover, these policies offer cashless health insurance
facilities, where the insurance company directly settles the bill with the medical facility, provided you are admitted to one of the network hospitals.
*Standard T&C Apply
When buying a health insurance cover, it is not only important to keep an eye on the benefits of health insurance
plans, but also their exclusions. The policy documents mention certain exclusions that may include exceptions for adventure sports in case you are looking for a policy that specifically insures one.
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.