Adventure Sports Cover

Sporting Activities Cover (commonly called Adventure Sports Cover) is an optional add-on in most international travel policies. Standard plans from major insurers exclude high-risk adventure sports due to injury risks. This add-on extends medical and accident coverage to amateur-level sporting activities abroad (not professional/competitive).

Features:

Covers medical expenses for injuries during listed activities.

Includes amateur/non-professional participation only (supervised/licensed operators).

Activities typically covered: Trekking, skiing, scuba diving, bungee jumping, paragliding, rafting, snorkeling, mountain biking (varies; extreme like skydiving/base jumping often excluded or limited).

Integrates with main medical/PA benefits (cashless/reimbursement).

Benefits:

Protection for thrill-seekers in destinations like Europe/New Zealand (high medical costs).

Covers hospitalization, evacuation, or repatriation from sports injuries.

Peace of mind — avoids huge out-of-pocket bills (e.g., ₹10–50 lakh+ abroad).

Typical Availability :Extra premium: 20–100% higher depending on activities/duration.

Claim Requirements:

Incident during policy period abroad; amateur level.

Notify 24/7 helpline immediately for cashless.

Submit: Claim form, medical reports/bills, proof of activity (operator receipt/invoice), doctor's note on injury cause, policy/passport copies.

File within 30–60 days; strict proof needed (no coverage if professional/racing).

Common Exclusions:

Professional/competitive sports, racing, or unlicensed operators.

Extreme activities (e.g., heli-skiing, mountaineering above certain heights).

Pre-existing conditions flare-ups or negligence.

No police/FIR if required for accidents.

Advice: Essential if planning activities beyond leisure (e.g., winter sports in Europe). Declare activities at purchase — non-disclosure voids claims. Compare add-ons; not needed for basic sightseeing.

Share your planned activities and destination for recommendations. Safe adventures!