How to buy outdoor sports insurance

Abstract: For outdoor sports lovers, this season must be full of happiness. The clear sky is endless, birds are singing and flowers are fragrant, which is most suitable for outdoor activities. Many outdoor enthusiasts are used to buying an outdoor sports insurance for themselves now. How to buy outdoor sports insurance? What problems should we pay attention to when choosing outdoor sports insurance? Outdoor sports insurance Outdoor insurance purchase guide How to buy outdoor sports insurance

Outdoor travel makes people relax and get closer to nature. In recent years, outdoor travel is increasingly becoming a leisure way for modern people. Most tourists who choose to travel outdoors will buy outdoor insurance for themselves. However, what should be paid attention to when purchasing outdoor insurance may not be understood by every consumer.

When buying outdoor insurance, the following four points should be noted:

1. Accident insurance is not everything

Most citizens will buy an accident insurance before going out and think that no matter what accidents occur, they can solve all the problems. However, insurance experts pointed out that accidental injury insurance is divided into general insurable accidental injury, special insured accidental injury and uninsurable accidental injury. Among them, most citizens' insurance policies only cover general accidents, while accidents in strenuous sports activities or competitions such as mountaineering, skydiving, skiing, racing, boxing, river rafting and wrestling are not included. Therefore, insurance experts remind the public to consider special underwriting when facing any of the above risks when traveling.

2. The plane insurance policy takes effect the next day

Many citizens are used to buying a traffic accident insurance at the airport when flying. However, the policies of most insurance companies do not take effect immediately, but take effect from the day after the purchase behavior occurs. In other words, if the citizens buy traffic accident insurance on the day of flying, this policy will not bring protection to the insured in case of unexpected circumstances.

3. Accidental injury medical insurance is essential

Accidental injury medical insurance must be added when purchasing accidental injury insurance. Because accidental injury insurance only covers death and disability caused by accidental injury, accidental injury medical additional insurance covers medical expenses caused by accidental injury. Relatively speaking, the utilization rate of this additional insurance is higher. In addition, if you often do outdoor sports, it is recommended that the public consider buying accident insurance with a term of one year or more and comprehensive protection when choosing to buy outdoor sports insurance.

4. The amount of coverage is better than 2,

At the current consumption level, the amount of accident coverage for insurance consumers to purchase travel insurance products is better than 2, yuan, and the amount of accident medical treatment is better than 2, yuan. Insurance experts suggest that if you travel abroad, you should know the relevant regulations of the destination country on personal protection in advance. For example, to go to European countries, you need medical insurance of at least 3, euros when you apply for a tourist visa. For tourist destinations that have no mandatory provisions on relevant guarantees, 5~7 times of personal annual income can also be used as a reference value when choosing the insured amount, and the local medical consumption level should be fully considered.

I believe that many outdoor sports enthusiasts don't want to worry their families when they go out, so they can take out a suitable outdoor sports insurance for themselves. On the one hand, they can play safely, on the other hand, they can leave a comfort for their relatives in case of accidents.

where can I buy outdoor insurance?

consumers can buy insurance online or directly from insurance companies. At present, online insurance is the most popular method, which is convenient and quick. Which insurance company is better? Well-known insurance companies include China Life Insurance, China Ping An, Pacific Insurance, China PICC, China Taiping, AIA, New China Life Insurance, Taikang Insurance, Sunshine Insurance and so on. Consumers can compare the products of different companies to buy outdoor insurance according to their own needs. When choosing, we should pay attention to the fact that ordinary accident insurance and life insurance will generally take the accidental injury caused by participating in outdoor sports as an exemption clause, and will also be used as an exemption clause for special areas such as war-torn areas or plateau climate areas such as Tibet. Therefore, tourists are reminded to read the relevant clauses, especially the exemption clauses, when purchasing outdoor insurance. In addition, different insurance products cover different outdoor projects, so you need to choose and buy according to the planned route and the activities you participate in.

what should you pay attention to when applying for insurance and making claims?

read the exemption clauses clearly when you apply for insurance, and choose the amount according to your needs

1. You must read the relevant clauses, especially the exemption clauses. Different insurance products cover different outdoor projects, so it is necessary to choose and buy according to the planned route and the risk characteristics of participating activities.

2. The first risk level refers to ordinary sports below 3,5m above sea level, so it is enough to insure ordinary accidents and accidental medical insurance.

3. The second risk level refers to strenuous exercise below 3,5m above sea level, and it is necessary to take out enhanced outdoor accident and accident medical insurance. The insurance can cover hiking, fitness mountaineering, mountain cross-country cycling, horseback riding, boating, roller skating, rope falling, field skiing, diving, outdoor sports, rock climbing, field survival, rafting and so on.

4. The third risk level refers to mountaineering outdoor sports (3,5-6,m), alpine adventure (6,m), winter outdoor sports (2,5m), ice climbing (including low altitude areas), desert crossing, mountaineering skiing, polar adventure, cave adventure and other projects above 3,5m. These projects are extremely risky and need to be purchased separately for insurance.

5. Outdoor sports insurance is generally short-term insurance, which can vary from 1-3 days according to the duration of sports, and the cost is from 5 yuan to 3 yuan. Most of each insurance amount is 1, yuan for accidental death and disability insurance; The accident medical insurance premium is 5, yuan, and the hospitalization allowance is 3 yuan/day.

6. Before taking part in outdoor sports, it is best to know whether the sports venues have purchased corresponding insurance. Many racecourses and playgrounds do not buy insurance for tourists, and even if they do, the amount of protection is different.

At present, many insurance companies, such as Ping An, China Life Insurance, Meiya, Sunshine, etc., have corresponding outdoor strengthening and accident insurance for special projects. We can contact the corresponding insurance company or consult and purchase directly on the internet according to the local actual situation.

it's not difficult to claim compensation, and you should pay attention to the completeness of the time limit.

1. If you have an accident unfortunately, especially if you encounter an accident in other places or are hospitalized due to illness, you need to be treated in public hospitals at or above the county level. In order to avoid problems when making claims. If you need to be transferred for medical treatment, remember to ask the initial hospital to issue a written transfer certificate.

2. Special attention should also be paid to the actual claim settlement. The applicant shall report the case to the insurance company within the prescribed time limit. If the time limit is exceeded, the applicant shall bear the expenses of the insurance company's exploration and inspection caused by the delay. After the treatment, the hospitalization medical receipt and other materials will be submitted to the insurance company for claim.

3. The claim settlement time of an insurance company, in general, the time for compensation below 5, yuan is 7 days; 1 days less than 1, yuan; More than 1 thousand yuan in a month. If the insurance company procrastinates and fails to pay the claim fee on schedule, the insured can safeguard his rights and interests through legal means.

In the future, when we are engaged in outdoor sports, especially intense sports, we need to choose the corresponding enhanced accident insurance and accident medical insurance according to the actual situation such as the nature, duration and cost of tourism. Only in this way can we get real and sufficient protection.