What is the difference between outdoor sports insurance and ordinary travel insurance?

The coverage, groups, and insurance focus are different.

Outdoor sports insurance is specially designed for safety. In addition to the basic characteristics of general travel accident insurance, it also has the characteristics of accurate safety coverage, more cost-effective premiums, and wide insurance coverage.

General travel insurance covers all accidental death and disability caused by various accidental injuries that may occur to the insured while traveling in China or abroad.

The specific differences between outdoor sports insurance and ordinary travel insurance are as follows.

1. Different warranty scopes.

Outdoor sports insurance is a special form of short-term travel accident insurance. It is a type of insurance specially designed by insurance companies for people who love outdoor sports. It mainly provides rescue protection for outdoor sports enthusiasts when they encounter accidents during outdoor sports. Ordinary travel insurance refers to insurance in which the insured dies or becomes disabled due to an accident during the insurance period, or other insurance items within the insurance scope, and the insurance company will compensate according to the contract.

2. Target different groups of people.

Outdoor sports insurance is mainly designed for friends who love outdoor sports. General travel insurance offers much broader coverage and is designed for all travelers.

3. The focus of insurance is different.

The focus of outdoor sports insurance is mainly on accidental injuries, accidental medical treatment and emergency rescue protection during outdoor activities. Compared with outdoor sports insurance, the safety focus of ordinary travel insurance is not so prominent. Its coverage for accidental death and dismemberment tends to be high, and not all ordinary travel insurance covers emergency rescue services. Therefore, ordinary accident insurance often varies from person to person.