Now Reading: Check your travel insurance before an adventure holiday
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Check your travel insurance before an adventure holiday
Standard travel insurance policies often exclude adventure sports such as scuba diving, trekking and rafting, leaving Indian travellers exposed to high medical costs if something goes wrong. A Chennai resident, Ganesh M, had to buy a diving-specific policy from DAN Europe because no Indian insurer would cover deep-sea diving comprehensively.
Indian insurers such as Bajaj General Insurance, ICICI Lombard, Tata AIG, IndusInd, Zurich Kotak and Care Health offer adventure sports cover, mostly as an add-on to international travel policies. The list of covered activities includes speed boat rides, ATV tours, kayaking, rock climbing, para-jumping and high-altitude trekking above 2,000 metres.
The cover must be bought before the trip starts and is intended for non-professional activities under professional supervision. Age limits apply, with Tata AIG covering those aged 15 to 60 and IndusInd covering ages 14 to 55.
Indian Opinion Analysis
The gap Ganesh M faced, no Indian insurer covering deep-sea diving, shows that even as demand for adventure sports insurance grows, product availability lags. Domestic policies cover basic hospital expenses but not specialised costs like air ambulance from remote areas. Travellers must check whether their exact activity is listed and meet age and supervision conditions before departure. The onus is on the consumer to read exclusions directly with the insurer.
Source: livemint.com
This brief was synthesised by AI from the source linked above. Methodology and corrections.
