Do Health Insurance Plans Cover Injuries For Adventure Activities?

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Yes! Adventure sports like skydiving and water sports are frequently covered by travel insurance coverage. There shouldn’t be anything stopping you from trying all the adventures as these are everywhere (still safely first).

If you prefer following the way less traveled, you should also consider the medical risks of these adventurous activities (like bungee jumping, skydiving, and many more).

Why not get travel insurance that will shield you from unforeseen events?

What protection does adventure sports travel insurance offer me?

Extreme sports like parachuting, mountaineering, sky diving, and others need that you be ready for medical emergencies. This is possible aditya birla health insurance premium with travel insurance that covers sports or adventure activities!

If you need to be hospitalized or require medical care as a result of engaging in adventure sports as specified by your insurance, insurers will cover your medical costs.

Even though we’d like to believe that exploring new things while on vacation is fine, we know better. There is always a chance that something will go wrong. 

What types of injuries do extreme sports cause?

It is always desirable to acclimatize a little and maintain hydration before engaging in any outdoor activity, including cycling competitions, skiing competitions, canyoning, trekking, rock climbing, etc. Injuries such as sprains, fractures, strains, concussions, scrapes, or muscle pulls may be less likely.

Human mistake is the leading cause of injuries in thrilling activities like skydiving, which involves jumping from an airplane.

When bouldering, falls can cause acute injuries (such as tendon pulls, limb, finger, muscle strains, etc.). (or other related sports like indoor climbing gyms, speed climbing, etc.).

Knee joints are the most susceptible to fractures, tissue damage, and ligamentous injuries during skiing and snowboarding (particularly if you travel to European nations like Switzerland, Norway, Italy, France, etc.).

Why should Adventure Activities be Covered in your Travel Insurance?

Any financial hazards linked with the sport might be protected for you or your insured family by purchasing travel insurance that covers adventure activities. Adventure activities provide you with an adrenaline rush and a happy feeling. While participating in the sport, a minor error could cause serious injury or even death. Hospital costs could be high when seeking care abroad, resulting in financial losses. In addition, if you become stuck somewhere inaccessible, your health insurance policy could be able to cover your evacuation costs.

You can wholly enjoy the pleasure of these activities during your international journey as long as they are typically for one day and you have proper travel insurance.

What Excursions Are Covered by Travel Insurance?

You can review the activities listed in our policy document’s section on hazardous activities for a comprehensive list of activities. Some of the following are:

  • Base Jumping
  • Cycle Racing
  • Black Water Rafting
  • Bouldering
  • Polo
  • Paragliding
  • Ski Racing
  • River Bugging
  • Rodeo
  • Rugby
  • Water Ski Jumping
  • Motorcycle Racing
  • Wrestling

What falls under the category of adventure activities coverage?

You will be financially protected under the Adventure Activities Cover if, or if you require:

  • Liability Insurance and Bail Bond
  • Daily Cash Permit
  • Dental Emergency Treatment
  • Emergency medical care and transportation
  • Accidental Emergency Care and Evacuation
  • Personal Injury

This coverage applies only if you participate in a non-professional capacity and are supervised by a qualified professional. Additionally, keep in mind to adhere to any safety precautions and instructions provided by the adventure activity instructors.


You can select Aditya Birla health insurance plan if you organize several exciting travels around India. However, you can consider other options if you’re traveling somewhere where you can engage in high-risk activities. Converse with the businesses or associations that organize these excursions or events.

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