Agar aap adventure sports ke shaukeen hain, toh dhyan dein! Standard travel insurance mein aksar trekking ya skydiving cover nahi hoti, jisse aapko bada financial loss ho sakta hai. Isse bachne ka sahi tareeka sirf 'Add-on' covers hain.
Aajkal har koi vacation par scuba diving ya high-altitude trekking karna chahta hai, lekin ek choti si galti aapke trip ko financial nightmare bana sakti hai. Zyadaatar basic travel insurance policies sirf normal tourist activities ke liye hoti hain, high-risk adventures ke liye nahi.
Jab aap aise activities karte hain, toh insurers ise 'excluded events' maante hain. Iska matlab hai ki agar trekking ya diving ke dauran koi chot lag gayi, toh emergency medical treatment ka kharcha aapko khud uthana padega. India mein travel insurance market 22% ki speed se badh rahi hai, jiske chalte ab kaafi companies specialized 'riders' ya add-ons de rahi hain.
Kahan se milega cover?
ICICI Lombard, Tata AIG General Insurance, aur Bajaj Allianz jaise players adventure sports ke liye specific add-ons offer karte hain. Yaad rakhein, ye riders trip shuru hone se pehle hi lene padte hain. Ek baar destination pahunch gaye, toh ye add-ons activate nahi ho sakte!
Fine print padhna kyun zaroori hai?
Ye add-ons har cheez cover nahi karte. Kuch points ka dhyan rakhein:
- Age Limit: Kaafi insurers 14 se 60 saal ke beech hi coverage dete hain.
- Altitude Constraints: Trekking cover hai, par har altitude par nahi. Summit trek karne se pehle policy zarur check karein.
- Professional vs Amateur: Ye policies sirf amateur hobbyists ke liye hain. Agar aap professional athlete hain ya competitive sports mein hissa le rahe hain, toh ye cover nahi milega.
- Financial Caps: Kuch policies medical claims ko total insurance amount ka chota sa hissa hi cover karti hain ya phir aap par high 'deductibles' daal deti hain, jiska matlab hai ki claim ka ek bada hissa aapko khud dena hoga.
Trip book karne se pehle apni policy ki terms achhe se padhein, warna vacation ka maza saza mein badal sakta hai.