Outdoor insurance is a kind of special accidental injury insurance. He has quite different from ordinary accidental injury insurance, especially in insurance liability. Outdoor insurance is especially aimed at: water sports such as skiing, water-skiing, and diving, as well as horseback riding, rapids kayaking, mountaineering (above 3,500 meters), alpine adventures, polar expeditions, as well as cave exploration, bungee jumping, long-distance depopulation, and rafting. Survival in the wild, mountain cross-country skating, mountain biking, up-stream, and certain sports such as climbing and descenting at natural sites provide protection.
Where to buy outdoor insurance?
Consumers can apply for insurance online or directly to the insurance company. At present, the most widely used is online insurance, convenient and quick.
When buying insurance, pay attention to the following points:
1, the matching of the insurance deadline ALICE travel time is generally uncertain, so it needs to pay special attention to the protection period, it is worth mentioning that the purchase of travel insurance is usually considered that short-term travel insurance period of one day or less day does not matter. In fact, if the insurance period is less than the travel time, the travel time cannot be fully covered. If an accident occurs outside the insurance period, the insurance applicant will not be able to obtain insurance compensation. Therefore, the insurance period should match the travel time. As soon as the activity schedule changes, ALICE should immediately adjust the insurance coverage period. If there is any delay or cancellation of the journey, etc., you should ask the airport or aviation department for a written certificate of the flight change so that you can make a claim to the insurance company in the future. In fact, if the insurance period is less than the travel time, the travel time cannot be fully covered. If an accident occurs outside the insurance period, the insurance applicant will not be able to obtain insurance compensation. Therefore, the insurance period should match the travel time. As soon as the activity schedule changes, ALICE should immediately adjust the insurance coverage period. If there is any delay or cancellation of the journey, etc., you should ask the airport or aviation department for a written certificate of the flight change so that you can make a claim to the insurance company in the future.
2, see clearly insurance liability for accidental injury, medical compensation, etc. The amount depends on careful, different insurance on the definition of these liability limits is not the same. For example, medical compensation claims provide outpatient services and hospitalization. The costs of these two parts need to be paid separately. Some even specify that the maximum number of clinics is a few hundred dollars. If your clinic costs 3,000 yuan, even if you purchase the insurance, even if the insurance claims that the medical compensation is 10,000 yuan, you will only receive 600 yuan in compensation. Outdoor injury, once an accident occurs, is often sturdy, even if a film must be a few hundred dollars, so this insurance is not suitable for outdoor sports.
3, to understand the exemption clause The so-called exemption clause, that is, if accidents can be classified as the scope of these terms, then the insurance company will not be paid. Therefore, the exemption clause must be carefully watched. For example, some insurance exemption clauses stipulate: “The insured performs high-risk sports such as diving, parachuting, skiing, water skiing, paragliding, hunting, rock climbing, adventure, martial arts competitions, wrestling, stunts, horse racing, racing, and bungee jumping. "Exclusion of activities, then it is not suitable for outdoor sports. While ALICE trips usually take part in some high-risk outdoor sports programs, you need to pay special attention to the exemption clause at the time of purchase, and make sure whether the upcoming outdoor sports events are underwriting.
4. Understand that some of the "accidents" mentioned in the insurance term insurance clauses are not accidents that we consider in our daily lives. The accident clauses of insurance clauses are "foreign," "bursty," and "non-intentional." "Non-disease." For example, if it is a sudden illness, then even if it is sudden, it is unintentional, but because it is a disease, it is not in the category of accidental injury. If you do not know much about insurance terminology, it is advisable to seek professional help in a timely manner.
5, choose the formal insurance platform donkey travel to buy insurance, the insurance requirements are relatively high, need to choose the formal insurance platform, there are many professional, formal, objective third-party insurance e-commerce platform, also has a number of insurance companies outdoor sports insurance , Comprehensive protection, affordable, I believe there is always one for you. For most outdoor projects, insurance companies have introduced corresponding products, but it should be noted that some competitive sports items are still not underwriting.
6, choose a good range of protection tailored high-risk insurance, "outdoor sports insurance," "high-risk sports insurance," etc., is usually an additional risk of accident insurance, insurance premiums need to pay an additional premium, the protection of which includes diving, skiing, paragliding There are also some non-competitive high-risk sports such as rock climbing, bungee jumping, etc. There are also some companies that guarantee outdoor sports such as adventure, snow mountain climbing, and wilderness survival among donkeys. The guarantee period is more than 10 days. This type of insurance is not expensive. Donkeys can choose to purchase according to the planned route and the activities they participate in. Considering all factors together, they can make reasonable arrangements. In terms of high-risk travel, domestic insurance companies have already made breakthroughs, and many companies have introduced distinctive domestic and foreign travel insurance to provide protection for their donkeys.
7. Optional special coverage Most donkeys will purchase an accidental injury insurance before traveling, and believe that no matter what happens, it can solve all the problems. However, insurance experts point out that the accidental injury insurance can be divided into general accident insurance, contract insurance accident insurance and accident insurance. Among them, most of the insurance policies covered by the donkey only cover general accidental injury accidents, and accidental injuries are not included in strenuous sports activities such as mountain climbing, parachuting, skiing, racing, boxing, river rafting, and wrestling. Therefore, in the face of any of the above risks when considering outdoor activities, consider special contract coverage.
8, the special effect of aircraft insurance policy a lot of outdoor destinations, you need to arrive by plane, most people when flying, used to buy a traffic accident insurance at the airport. However, the policy of most insurance companies does not come into effect immediately, but it takes effect from the second day after the purchase has taken place. In other words, if you are in the same day of boarding the plane and you are buying a traffic accident insurance, if there is an unexpected situation, this insurance policy will not give you insurance coverage.
9, additional insurance is essential to donkey accident insurance, accident insurance must be attached to accidental injury insurance, due to accidental injury insurance, only to cover the accidental injury caused by death and disability, and accidental injury medical additional insurance, underwriting Medical expenses caused by accidental injuries. If you regularly perform outdoor sports, it is recommended that you consider buying a one-year or more period and protecting more comprehensive accident insurance when you choose to purchase outdoor sports insurance.
10, the importance of the amount of protection I believe that many donkeys, when they go out must not want to worry about their families, insured for their own suitable outdoor sports insurance, on the one hand you can rest assured that play, on the other hand in case of accidents, also Can leave a comfort for their loved ones. Judging from the current level of consumption, it is better for insurers to purchase travel insurance products than for accidental coverage, which is more than 200,000 yuan, and accidental medical care is better than 20,000 yuan. Experts suggest that if you go abroad, you must know in advance the relevant provisions of the tourism destination countries on personal protection.
To obtain a professional safety guarantee, be sure to confirm whether the sport you want to perform is covered by the policy when you are insured. Also note whether this type of outdoor insurance is accompanied by accidental medical insurance, and whether emergency can be done in an emergency. Assistance, etc.
Once you need to make claims when you are in danger, note that the deadline for proof is complete
1. If accidental injury occurs unfortunately, especially in the event of accidents in the field or hospitalization due to illness, the treatment needs to be performed in public hospitals at or above the county level. In order to avoid problems when claiming. If you need to go to hospital for medical treatment, remember to ask the initial hospital to issue a written transfer certificate.
2. The actual claims also require special attention. The insurant should report the case to the insurance company within the prescribed time limit. If it exceeds the prescribed time limit, the insurant shall bear the expenses incurred by the insurance company such as the survey and inspection of the insurance company due to the delay. After the treatment is over, inpatient medical receipts and other materials will be processed to the insurance company for claims.
3. The insurance company's claim time, the general situation of compensation for less than 5,000 yuan for 7 days; less than 10,000 yuan in 10 days; more than 10,000 yuan in a month. If the insurance company delays the time and does not pay the claim fees on schedule, the policyholder can safeguard their rights and interests through legal means.
Where to buy outdoor insurance?
Consumers can apply for insurance online or directly to the insurance company. At present, the most widely used is online insurance, convenient and quick.
When buying insurance, pay attention to the following points:
1, the matching of the insurance deadline ALICE travel time is generally uncertain, so it needs to pay special attention to the protection period, it is worth mentioning that the purchase of travel insurance is usually considered that short-term travel insurance period of one day or less day does not matter. In fact, if the insurance period is less than the travel time, the travel time cannot be fully covered. If an accident occurs outside the insurance period, the insurance applicant will not be able to obtain insurance compensation. Therefore, the insurance period should match the travel time. As soon as the activity schedule changes, ALICE should immediately adjust the insurance coverage period. If there is any delay or cancellation of the journey, etc., you should ask the airport or aviation department for a written certificate of the flight change so that you can make a claim to the insurance company in the future. In fact, if the insurance period is less than the travel time, the travel time cannot be fully covered. If an accident occurs outside the insurance period, the insurance applicant will not be able to obtain insurance compensation. Therefore, the insurance period should match the travel time. As soon as the activity schedule changes, ALICE should immediately adjust the insurance coverage period. If there is any delay or cancellation of the journey, etc., you should ask the airport or aviation department for a written certificate of the flight change so that you can make a claim to the insurance company in the future.
2, see clearly insurance liability for accidental injury, medical compensation, etc. The amount depends on careful, different insurance on the definition of these liability limits is not the same. For example, medical compensation claims provide outpatient services and hospitalization. The costs of these two parts need to be paid separately. Some even specify that the maximum number of clinics is a few hundred dollars. If your clinic costs 3,000 yuan, even if you purchase the insurance, even if the insurance claims that the medical compensation is 10,000 yuan, you will only receive 600 yuan in compensation. Outdoor injury, once an accident occurs, is often sturdy, even if a film must be a few hundred dollars, so this insurance is not suitable for outdoor sports.
3, to understand the exemption clause The so-called exemption clause, that is, if accidents can be classified as the scope of these terms, then the insurance company will not be paid. Therefore, the exemption clause must be carefully watched. For example, some insurance exemption clauses stipulate: “The insured performs high-risk sports such as diving, parachuting, skiing, water skiing, paragliding, hunting, rock climbing, adventure, martial arts competitions, wrestling, stunts, horse racing, racing, and bungee jumping. "Exclusion of activities, then it is not suitable for outdoor sports. While ALICE trips usually take part in some high-risk outdoor sports programs, you need to pay special attention to the exemption clause at the time of purchase, and make sure whether the upcoming outdoor sports events are underwriting.
4. Understand that some of the "accidents" mentioned in the insurance term insurance clauses are not accidents that we consider in our daily lives. The accident clauses of insurance clauses are "foreign," "bursty," and "non-intentional." "Non-disease." For example, if it is a sudden illness, then even if it is sudden, it is unintentional, but because it is a disease, it is not in the category of accidental injury. If you do not know much about insurance terminology, it is advisable to seek professional help in a timely manner.
5, choose the formal insurance platform donkey travel to buy insurance, the insurance requirements are relatively high, need to choose the formal insurance platform, there are many professional, formal, objective third-party insurance e-commerce platform, also has a number of insurance companies outdoor sports insurance , Comprehensive protection, affordable, I believe there is always one for you. For most outdoor projects, insurance companies have introduced corresponding products, but it should be noted that some competitive sports items are still not underwriting.
6, choose a good range of protection tailored high-risk insurance, "outdoor sports insurance," "high-risk sports insurance," etc., is usually an additional risk of accident insurance, insurance premiums need to pay an additional premium, the protection of which includes diving, skiing, paragliding There are also some non-competitive high-risk sports such as rock climbing, bungee jumping, etc. There are also some companies that guarantee outdoor sports such as adventure, snow mountain climbing, and wilderness survival among donkeys. The guarantee period is more than 10 days. This type of insurance is not expensive. Donkeys can choose to purchase according to the planned route and the activities they participate in. Considering all factors together, they can make reasonable arrangements. In terms of high-risk travel, domestic insurance companies have already made breakthroughs, and many companies have introduced distinctive domestic and foreign travel insurance to provide protection for their donkeys.
7. Optional special coverage Most donkeys will purchase an accidental injury insurance before traveling, and believe that no matter what happens, it can solve all the problems. However, insurance experts point out that the accidental injury insurance can be divided into general accident insurance, contract insurance accident insurance and accident insurance. Among them, most of the insurance policies covered by the donkey only cover general accidental injury accidents, and accidental injuries are not included in strenuous sports activities such as mountain climbing, parachuting, skiing, racing, boxing, river rafting, and wrestling. Therefore, in the face of any of the above risks when considering outdoor activities, consider special contract coverage.
8, the special effect of aircraft insurance policy a lot of outdoor destinations, you need to arrive by plane, most people when flying, used to buy a traffic accident insurance at the airport. However, the policy of most insurance companies does not come into effect immediately, but it takes effect from the second day after the purchase has taken place. In other words, if you are in the same day of boarding the plane and you are buying a traffic accident insurance, if there is an unexpected situation, this insurance policy will not give you insurance coverage.
9, additional insurance is essential to donkey accident insurance, accident insurance must be attached to accidental injury insurance, due to accidental injury insurance, only to cover the accidental injury caused by death and disability, and accidental injury medical additional insurance, underwriting Medical expenses caused by accidental injuries. If you regularly perform outdoor sports, it is recommended that you consider buying a one-year or more period and protecting more comprehensive accident insurance when you choose to purchase outdoor sports insurance.
10, the importance of the amount of protection I believe that many donkeys, when they go out must not want to worry about their families, insured for their own suitable outdoor sports insurance, on the one hand you can rest assured that play, on the other hand in case of accidents, also Can leave a comfort for their loved ones. Judging from the current level of consumption, it is better for insurers to purchase travel insurance products than for accidental coverage, which is more than 200,000 yuan, and accidental medical care is better than 20,000 yuan. Experts suggest that if you go abroad, you must know in advance the relevant provisions of the tourism destination countries on personal protection.
To obtain a professional safety guarantee, be sure to confirm whether the sport you want to perform is covered by the policy when you are insured. Also note whether this type of outdoor insurance is accompanied by accidental medical insurance, and whether emergency can be done in an emergency. Assistance, etc.
Once you need to make claims when you are in danger, note that the deadline for proof is complete
1. If accidental injury occurs unfortunately, especially in the event of accidents in the field or hospitalization due to illness, the treatment needs to be performed in public hospitals at or above the county level. In order to avoid problems when claiming. If you need to go to hospital for medical treatment, remember to ask the initial hospital to issue a written transfer certificate.
2. The actual claims also require special attention. The insurant should report the case to the insurance company within the prescribed time limit. If it exceeds the prescribed time limit, the insurant shall bear the expenses incurred by the insurance company such as the survey and inspection of the insurance company due to the delay. After the treatment is over, inpatient medical receipts and other materials will be processed to the insurance company for claims.
3. The insurance company's claim time, the general situation of compensation for less than 5,000 yuan for 7 days; less than 10,000 yuan in 10 days; more than 10,000 yuan in a month. If the insurance company delays the time and does not pay the claim fees on schedule, the policyholder can safeguard their rights and interests through legal means.
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