Do I need to buy hiking insurance to go to Nepal? Where can I buy hiking insurance in Nepal?

Many friends in Nepal may not have been to this place, but many friends who like adventure and hiking will often go there. So this small series will tell you where to buy hiking insurance in Nepal.

Do I need to buy hiking insurance to go to Nepal?

It is necessary from the perspective of risk and safety.

It is not difficult to solve domestic and foreign claims. The most important thing is to take care of yourself in terms of safety. Go to Nepal without taking local small planes, bungee jumping and other dangerous projects.

It is still safe to walk under the guidance of local tour guides, and the routes cover the inn. Unless the weather is quite bad and affects the trip, everything else is safe.

Just buy risky ones.

Let's analyze this insurance product and travel around the world.

The only thing that prevents the landlord from obtaining insurance compensation is the insurance liability exemption clause 15 in the figure, and he participates in any high-risk activities.

But what is high risk?

Referring to Figure 2, here is a concrete example. Taobao also answers your questions according to the definition. I believe this is based on the "exploration" clause. What is "adventure"? Please refer to Figure 3.

Figure 3. The definition of adventure is listed, but I don't think it fully conforms to the hiking activities in Nepal.

To sum up, the seller understands the terms conservatively and explains them to the landlord. If you buy directly without consulting, then in case of an accident (bah), I personally judge that it is difficult for the insurance company to refuse compensation in the exemption clause of the clause, which is too harsh on the customer.

However, I still suggest that you consult, not Taobao, but in Meiya telephone consulting insurance company. You can also argue according to these rules of Meiya. I think it is very possible to get an insurable answer. Please take notes as evidence.

Another thing to remind is that mountaineering, rock climbing and any activities above 5500 meters above sea level are exempt from liability in Figure 2. I remember that the highest point of some routes in EBC is over 5500 meters. If the dangerous place is above this sea level, then the insurance company really doesn't care.

The risk of hiking is much higher than that of traveling with a group. At least, traveling with a group has the guidance and care of a tour guide. However, hiking mostly depends on oneself, so it is more likely to encounter unknown risks.

Generally speaking, hikers should buy travel insurance including accident insurance, accidental medical treatment, high-risk sports, public security and emergency rescue.