Adventure Sports Insurance

For some people, the idea of a perfect vacation is getting an adrenaline rush by participating in adventure sports like bungee jumping, parasailing, mountaineering, etc. But any mishap while performing these sports can lead to severe injuries, disabilities and even death. Besides, they can be expensive to treat. Although most health insurance plans do not cover hazardous sports, some insurers offer adventure sports insurance cover. Read on to know more.

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      What is Adventure Sports Insurance?

      Adventure sports insurance provides medical coverage against accidents resulting from participation in non-professional adventure sports or hazardous sports. It pays a lump sum amount in case the policyholder gets injured while performing these sports, leading to permanent disability or death. However, adventure sports cover is available only once in the lifetime of the mediclaim policy and ceases to exist once the claim is paid.

      Most insurance companies provide adventure sports cover under their personal accident insurance plans. Besides, only a handful of plans offer adventure sports insurance as an in-built cover, as it is mostly available as an optional cover.

      Which Adventure/Hazardous Sports are Covered by Health Insurance?

      Check out some of the most common adventure sports covered by health insurance plans in India:

      • Zip lining
      • Rock climbing
      • Para-jumping
      • Rafting
      • Bungee jumping
      • Scuba diving
      • Hand gliding
      • Sky diving
      • Deep sea diving
      • Mountaineering
      • Motor racing
      • Horse racing
      • Parachuting

      Benefits of Buying Adventure Sports Insurance in India

      Here are the key benefits of buying adventure sports insurance cover:

      1. Safeguards Against Unforeseen Accidents

        Adventure sports insurance plans safeguard the insured against any unforeseen accident that may occur while participating in adventure or hazardous sports. As injuries from these sports can lead to death or permanent disability, medical insurance is essential to support the insured or their family from the financial implications of these accidents.

      2. Lump Sum Benefit

        Adventure sports insurance pays a lump sum benefit in case the policyholder gets permanently disabled or dies in an accident while participating in adventure sports. The amount not only pays for the treatment and medical expenditures but also acts as a substitute for loss of income due to the death or disability of the insured.

      3. Worldwide Coverage

        Most health insurance plans for adventure sports come with worldwide coverage. This means the insured will be covered against death or disability due to participation in adventure sports, no matter which part of the globe they are.

      4. Peace of Mind

        With adventure sports cover, policyholders can enjoy adventure sports during their vacations without worrying about the outcome in case something goes wrong.

      List of Health Insurance Plans for Adventure Sports in India

      Take a look at the list of adventure sports insurance plans available in India:

      Adventure Insurance Plans Sum Insured In-built/ Optional Cover Coverage
      Aditya Birla Activ Secure Plan Up to ₹10 lakh Optional Cover Worldwide
      Bajaj Allianz Global Personal Guard Plan (Individual) Up to 1 crore Optional Cover Worldwide
      Digit Supreme Care Plan - Optional Cover Worldwide/India
      Future Generali Cover for Sports Up to ₹50 lakh Optional Cover India
      HDFC ERGO Individual Personal Accident Plan – Elite & Advance Variant ₹1 crore to ₹10 crore In-built Worldwide
      ICICI Lombard Family Shield Plan Up to ₹50 lakh In-built Worldwide
      Liberty Health Prime Connect Plan Up to ₹1 crore Optional Worldwide
      Magma HDI OneProtect Plan ₹2.5 lakh to 10 crore Optional Worldwide
      ManipalCigna Accident Shield Plan ₹2.5 lakh to 12.5 crore Optional Worldwide
      National Parivar Mediclaim Plus Plan Up to ₹12.5 lakh In-built -
      Reliance Personal Accident 360 Shield Plan Up to ₹1 crore In-built Worldwide
      Zuno Health Plus Plan Up to ₹5 crore Optional Can be extended worldwide

      What is Covered by Adventure Sports Insurance?

      Adventure sports insurance covers the following:

      • Accidental death
      • Permanent total disability
      • Accidental in-patient hospitalization
      • Accidental day care procedures

      What is Not Covered by Adventure Sports Insurance?

      The following are not covered by adventure sports insurance in India:

      • Permanent partial disability
      • Temporary total disability
      • Pre-existing disabilities
      • Participation in professional adventure sports
      • Suicide
      • Injuries under the influence of drugs/alcohol
      • Cosmetic surgery or plastic surgery

      Things to Keep in Mind While Buying an Adventure Sports Insurance

      Take a look at the things that should kept in mind while buying adventure sports insurance:

      • Go through the policy coverage and benefits to know exactly what the insurer will pay for
      • Check the policy document for any sub-limit for the adventure sports cover
      • Read the policy exclusions carefully to understand what is not covered by the insurance company
      • Prefer a plan with worldwide coverage over plans that offer coverage within India only

      FAQs

      • Q1. What is the insurance cover for adventure sports?

        Ans: Health insurance for adventure sports covers the policyholder against accidental injuries while participating in adventure sports, such as bungee jumping, scuba diving, sky diving, rock climbing, etc. It pays a lump sum benefit if the policyholder gets permanently disabled or dies due to the accident that occurred while performing the adventure sport. In fact, some adventure sports insurance plans in India also cover the cost of accidental hospitalization.
      • Q2. How can I check adventure sports insurance price?

        Ans: You can check the adventure sports insurance cost by checking the policy premium chart or contacting the insurance provider. You can also use a health insurance premium calculator to determine the price of your adventure insurance cover.
      • Q3. Can I renew adventure sports insurance after getting a claim?

        Ans: No. You cannot renew your adventure sports cover once the claim has been paid. This is because the coverage is available only once in the lifetime of the policy and ceases to exist once your insurer pays you the claim amount.
      • Q4. Can I avail tax benefits under adventure sports insurance?

        Ans: Yes. You can avail tax benefits under Section 80D of the Income Tax Act on your adventure sports insurance – be it a part of a personal accident insurance policy or a mediclaim policy.
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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