With the gradual popularization of outdoor sports, more and more people participate in outdoor activities. Many people with insurance awareness will also choose to buy an insurance for themselves. Now most donkeys will insure themselves against travel accident insurance. The protection of travel accident insurance is also relatively comprehensive. Most of the accident risks during travel are within the scope of protection. As a result, many amateur outdoor climbing enthusiasts mistakenly believe that there is no need to separately insure outdoor mountaineering accident insurance when they insure travel insurance. This understanding is very dangerous and can easily cause more losses to oneself. The difference between outdoor insurance and accident insurance is as follows:
1, the scope of protection is not the same Outdoor insurance is a special mountaineering for outdoor sports insurance products, a variety of mountain climbing and outdoor sports in accordance with the risk of a strict scientific classification. Ordinary accident insurance protects all kinds of accidents on the way of tourists. Some high-risk projects such as mountain climbing, rock climbing, and skiing are exempted from the project.
2, the protection of the object is not the same The main target of outdoor insurance is the formal mountain climbing outdoor sports organization and management organizations and their participants, the general accident insurance protection is all insured travel people.
3, the protection of the project is not the same as outdoor insurance in the insurance clause clearly underwriting mountaineering outdoor sports, not only includes a variety of hiking and outdoor sports (including but not limited to expansion, climbing, skiing, rock climbing, ice climbing, mountain adventure, etc.), also Extend other activities that are undertaken while climbing outdoor sports (including swimming, surfing, roller skating, orienteering, sailing, rafting, speleology, etc.).
The general accident insurance that can be insured for high-risk sports is not covered by outdoor insurance. Some common accident insurance covers mountaineering activities, but there are altitude restrictions and some projects are not covered.
4, the protection of responsibility is not the same Outdoor insurance protection liability specifically for mountaineering and outdoor activities in accidental injury, accidental medical care, emergency assistance. The ordinary accident insurance is not only accidental injury, accidental medical treatment and emergency rescue, but also has some general accident insurance that covers comprehensive coverage including hospitalization allowance, loss of personal property, travel delay and personal liability.
5, the amount of compensation is not the same as outdoor insurance because of the special nature of outdoor sports decided to climb the outdoor insurance will be more of the amount of compensation placed on the compensation of the medical amount, and ordinary accident insurance accident death and disability compensation than outdoor sports insurance Compensation is high.
In simple terms, conventional travel vacations (domestic and overseas) do not involve high-risk sports and buy ordinary travel accident insurance. However, if you are a casual adventurer of ALICE, you must purchase a special outdoor sports insurance, preferably with an emergency rescue program. Before purchasing, read the terms and conditions of the insurance, especially the insurance liability and liability.
Outdoor insurance terms:
1, the scope of protection is not the same Outdoor insurance is a special mountaineering for outdoor sports insurance products, a variety of mountain climbing and outdoor sports in accordance with the risk of a strict scientific classification. Ordinary accident insurance protects all kinds of accidents on the way of tourists. Some high-risk projects such as mountain climbing, rock climbing, and skiing are exempted from the project.
2, the protection of the object is not the same The main target of outdoor insurance is the formal mountain climbing outdoor sports organization and management organizations and their participants, the general accident insurance protection is all insured travel people.
3, the protection of the project is not the same as outdoor insurance in the insurance clause clearly underwriting mountaineering outdoor sports, not only includes a variety of hiking and outdoor sports (including but not limited to expansion, climbing, skiing, rock climbing, ice climbing, mountain adventure, etc.), also Extend other activities that are undertaken while climbing outdoor sports (including swimming, surfing, roller skating, orienteering, sailing, rafting, speleology, etc.).
The general accident insurance that can be insured for high-risk sports is not covered by outdoor insurance. Some common accident insurance covers mountaineering activities, but there are altitude restrictions and some projects are not covered.
4, the protection of responsibility is not the same Outdoor insurance protection liability specifically for mountaineering and outdoor activities in accidental injury, accidental medical care, emergency assistance. The ordinary accident insurance is not only accidental injury, accidental medical treatment and emergency rescue, but also has some general accident insurance that covers comprehensive coverage including hospitalization allowance, loss of personal property, travel delay and personal liability.
5, the amount of compensation is not the same as outdoor insurance because of the special nature of outdoor sports decided to climb the outdoor insurance will be more of the amount of compensation placed on the compensation of the medical amount, and ordinary accident insurance accident death and disability compensation than outdoor sports insurance Compensation is high.
In simple terms, conventional travel vacations (domestic and overseas) do not involve high-risk sports and buy ordinary travel accident insurance. However, if you are a casual adventurer of ALICE, you must purchase a special outdoor sports insurance, preferably with an emergency rescue program. Before purchasing, read the terms and conditions of the insurance, especially the insurance liability and liability.
Outdoor insurance terms:
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