Health Insurance for Hazardous or Adventure Sports

Taking part in extreme sports is really exciting but also carries risks. It's easy to get injured pushing your limits like that. Dealing with medical bills on top of recovery would be the worst.

Fortunately, a health insurance policy can take some of the worry out of the situation. Getting a policy in place before hitting the slopes or trails means there is help if an accident happens.

Peace of mind is valuable when taking part in adventure activities. Knowing that you are financially covered allows you to really let loose and live for the thrill. Just be sure to pick a plan designed for adventure sports so coverage is available when needed most.

Pursuing hazardous sports comes with an inherent risk of injuries that could lead to hospitalisation or long-term treatment. While the thrill of adrenaline-pumping activities is exciting, one must also be financially prepared for any medical expenses. 

Buying a comprehensive Health Insurance plan ensures that you are protected. This gives mental peace since the policy covers the entire family including parents, spouse and children. 

With tax benefits up to INR 75,000 under section 80D also applicable, a family health plan offers both financial protection and tax savings on premiums paid. This makes it an ideal choice for adventure sports enthusiasts to secure their family's health needs financially without worries.

Here are some common types of hazardous or adventure sports and the health insurance coverage associated with them:

Some health insurance policies may cover injuries and hospitalisation costs arising from recreational, non-professional, hazardous sports. However, professional injuries and extreme high-risk activities like wingsuit flying and freestyle soloing may require customised coverage with additional premiums based on underwriting. It's best to disclose all planned activities to ensure appropriate coverage.

The cost of treatment varies significantly depending on the type and severity of injury. Expenses also tend to be higher in urban areas compared to rural India due to specialised infrastructure and medical personnel availability.

Some typical expenses include:

The insurer would cover expenses like hospitalisation, surgeries and procedures, pre and post-hospitalisation costs, etc. In contrast, modifications for any alternative therapy costs need to be paid by the policyholder. It's always advisable to opt for higher sum insured plans to cover unforeseen costs after severe injuries from adventure sports.

Note: Prices may vary depending on location, treatment and  the extent of injuries suffered.

Here are the key points on health insurance costs for hazardous/adventure sports enthusiasts:

While premiums are higher for high-risk coverage, larger-sum insured plans offer solid protection against pricey surgery/hospitalisation costs if severe injuries occur. Even a single high-value claim can offset several years of premium payments. 

Estimate your health insurance costs with Health insurance premium calculator

As a digital-first insurance company, we have built seamless online capabilities through our user-friendly app to simplify the insurance claims process for adventure sports enthusiasts. The ACKO app is a one-stop solution for policyholders, allowing them to instantly report and track claims in real time from anywhere via a few taps. Policyholders appreciate the real-time claim status updates and estimated payout timelines that the ACKO app provides. Above all, buying insurance from ACKO is also cheaper due to lower operational costs.

For enthusiasts of adventure sports, obtaining a tailored health insurance policy is not just a prudent decision but a necessary safeguard. ACKO's comprehensive health insurance plans emerge as optimal choices for those seeking extensive coverage without worrying about the out-of-pocket expenses. With options for individual and family coverage, ACKO's health insurance is a reliable financial backup, ensuring that the thrill of adventure doesn't come with an unmanageable medical expense.

Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.