Insure yourself adequately…

Whatever may be your choice of activities, some might be more hazardous then others, exposing you to an increased risk of injury. Conventional travel insurance is not designed to cover certain sporting activities, pastime or employment activities which are hazardous.

If you plan to get involved in activities which are thrilling but hazardous during your holiday, you should ascertain that you are adequately covered in case of an accident, where you might need emergency medical repatriation.

Generally there are two categories of hazardous activities, they are -
1. Low risk and low insurance cost hazardous activities include -
Football, bungee jumping, expeditions and trekking, parachuting, paragliding, power boating as a passenger, rock climbing, rugby, sky diving, water skiing, white water boating/ rafting up to level 4, canoeing/ kayaking, yachting in territorial waters etc.

2. The high risk activities that have a higher cost insurance cover include
Scuba diving over 30m, speed skating, canyoning, motor rallying, mountaineering, white water rafting level 5, over landing, piloting an aircraft, polo and yachting out of territorial waters.

It is important that you ensure that all the hazardous activities you participate in must be performed under qualified supervision. Otherwise you run a risk of making your insurance null and void.