Buy dedicated insurance cover for adventure sports, says Policybazaar executive

The Story in Brief

A Policybazaar executive has advised travellers to purchase dedicated insurance cover for adventure sports, as standard travel policies often exclude higher-risk activities. Injury is the single biggest cause of emergency hospitalisation for healthy people crossing international borders, according to the writer, who notes that medical emergencies account for almost 90% of total claim payouts. Standard travel cover is built for routine mishaps like flight delays and lost baggage, drawing a clear line against pursuits such as high-altitude mountain sports, deep-sea diving and aerial adventures unless additional protection is bought in advance.

The executive, writing as Chief Business Officer, General Insurance, Policybazaar, says a dedicated add-on can cost as little as Rs 1,000 to Rs 1,600 for a week-long overseas trip costing about Rs 2.5-3 lakh. This covers emergency medical treatment, evacuation, accidental disability or death from covered activities. The writer stresses that even the most comprehensive policy requires transparency, and an undisclosed activity can invalidate the entire cover.