For those who love stepping outside their comfort zone must buy travel insurance that covers adventure sport benefits and option to provide extra layer of protection during their trip. Insurers are ready to go an extra mile to cater the best insurance plan to fullfil their customer’s choice. Not all insurers offer same products and features.
Bajaj Allianz General Insurance understand the trend of adventure travellers and offer adventure sports benefits under Global Accident Insurance- Global Personal Guard. This plan provides extensive worldwide coverage against death, total permanent disability or partial permanent disability and any other injuries caused due to an accident. This policy also comes in handy against accidents while travelling abroad as it provides a global coverage.
Adventure sports cover under this plan are bungee jumping, bridge swinging, zip lining, zip trekking, rock climbing, rock scrambling, rappelling, via ferrata, fell running, fell walking, gorge walking, indoor rock climbing, mountain biking, mountaineering, body boarding, scuba diving, shark diving, swimming with dolphins, diving with whales, wakeboarding, surfing, auto (car) racing, motor rallying, motorcycle racing, air racing, kart racing, boat racing, hovercraft racing, lawn mower racing, snowmobile racing and truck racing.
Base cover under this plans are death, permanent total disability and permanent partial disability. Optional covers available under this plan are accidental hospitalisation expenses, adventure sports benefits, air ambulance cover, children education benefit, coma cover, EMI payment cover, fracture care, hospital cash benefit, loan protector cover, loss of income due to disability from accident, road ambulance cover and travel expense benefits.
Under this plan some of the optional cover like accidental hospitalisation expenses will protect policyholders against medical expenses incurred in case you are hospitalised for a minimum of 24 hours or have undergone any of the listed daycare procedures because of an accidental injury. Pre and post hospitalisation expenses are also covered in such a case.
This policy also provides optional cover against death or permanent total disability caused by accidental bodily injury while engaged in any non-professional adventure sports under supervision.
Under this plan self, spouse, dependent children and dependent parents can be covered. The entry age for the proposer and spouse or dependent parents is 18 to 70 years and dependent children is three months to 25 year.
Some of the exclusions under this plan are accidental bodily injury as a result of suicide, attempted suicide or self-inflicted injury or illness, under the influence of alcohol or drugs or breach of law with criminal intent. It is always advisable to know the exclusions under the plan will help to avoid confusion at the time of medical emergencies.