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Standard insurance vs adventure add-ons<\/strong><\/p>\n Standard travel insurance typically covers medical emergencies, hospitalisation, personal liability, trip disruptions, and baggage loss. However, such plans often exclude high-risk adventure activities.
Digit Insurance, for instance, offers an Adventure Activity add-on under its Double Secure and Double Secure Plus plans.<\/p>\n This coverage includes hospitalisation<\/a> or outpatient treatment resulting from activities like skydiving, scuba diving, skiing, and paragliding.<\/p>\n Chaturvedi cites a case where a customer fractured their neck in an ATV accident in Bali, leading to a claim of \u20b911 lakh.<\/p>\n Understanding risk, premiums, and exclusions<\/strong><\/p>\n Adventure insurance premiums are generally modest compared to the coverage offered.<\/p>\n \nFor example, a 35-year-old opting for Digit\u2019s Double Secure travel plan with adventure coverage for a $100,000 sum insured pays around \u20b9830.<\/p>\n However, there are important conditions to note:
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\n<\/ul>\n \n\u201cRead the policy carefully to understand all inclusions, exclusions, and sub-limits. This ensures that claims are processed and settled efficiently,\u201d Chaturvedi emphasised.<\/p>\n In an earlier conversation with CNBC-TV18, Priya Deshmukh, Head of Health Products, ICICI Lombard said, \u201cThese policies extend coverage for activities like paragliding, scuba diving, skydiving, rock climbing, and even extreme pursuits such as heli-skiing or motorcycle racing.\u201d<\/p>\n A look at some of the policies available for adventure sports<\/strong> \nSafety measures in hospitality<\/strong><\/p>\n Safety is not just an insurance issue. Indian resorts offering adventure experiences are also strengthening guest protection.<\/p>\n Pawan Chahar, General Manager, Jim Corbett Marriott Resort & Spa, explained, \u201cGuest safety must be integrated into every adventure. For jungle safaris and nature walks, trained naturalists accompany groups, vehicles carry medical emergency kits, and guests receive thorough safety briefings.\u201d<\/p>\n The resort also uses predictive preparedness measures such as terrain mapping, weather monitoring, and emergency communication grids. These steps ensure that guests can enjoy adventure activities with structured safety support.<\/p>\n ALSO READ | <\/strong>Travel insurance for offbeat destinations surges 45% as Seychelles, Vietnam lead growth: Policybazaar<\/span><\/strong><\/a><\/p>\n<\/div>\n
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\n\u201cTravel insurance provides financial protection, particularly in high-cost destinations like the US and Europe, but for adventure activities, specialised add-on coverages are essential,\u201d said Vivek Chaturvedi, CMO & Head of Direct Sales, Digit Insurance.<\/p>\n
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\n Insurance provider<\/strong><\/td>\n Plan name<\/strong><\/td>\n Plan highlights<\/strong><\/td>\n<\/tr>\n \n Digit Insurance<\/td>\n Happy Traveller – Double Secure<\/td>\n 1. Adventure sports covered<\/td>\n<\/tr>\n \n 2. Personal accident covered<\/td>\n<\/tr>\n \n 3. Outpatient expenses for injuries<\/td>\n<\/tr>\n \n Reliance General<\/td>\n Reliance Travel Care Individual<\/td>\n 1. PED cover (emergency due to mentioned PED)<\/td>\n<\/tr>\n \n 2. Adventure sports covered<\/td>\n<\/tr>\n \n 3. Daily allowance in case of hospitalization<\/td>\n<\/tr>\n \n Care Travel Insurance<\/td>\n Care Explore Gold<\/td>\n 1. Life-threatening condition due to PED<\/td>\n<\/tr>\n \n 2. Home burglary insurance<\/td>\n<\/tr>\n \n 3. Adventure sport cover (Add-on for \u20b9320)<\/td>\n<\/tr>\n \n Star Health Insurance<\/td>\n Star Domestic Travel Insurance Policy – Platinum<\/td>\n 1. Adventure sports death, PTD and repatriation of mortal remains<\/td>\n<\/tr>\n \n 2. Emergency hospitalisation expenses<\/td>\n<\/tr>\n \n 3. Flight\/rail delay and cancellation<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n