Evening News: “I inquired about the three insurance companies and did not give me insurance. Only then did I know that fashion activities like 'climbing' were too risky to become 'outcasts' for insurance companies!†Yesterday, hiking enthusiasts liked camping Citizen Yu told reporters. Yesterday, an industry insider of an insurance company told reporters that not only rock climbing, activities such as skiing, bungee jumping, diving, parachuting, but also sailing activities that will be gradually carried out in Qingdao are within the responsibility of most of the insurance contracts.
The source disclosed to reporters that the reason for this is mainly because of the high risk of such activities, which increases the "odds" of insurance companies, and it is difficult to control and quantify the risk rate. Therefore, the market demand is higher. The more and more prominent, but still "rejected".
“Even if you go climbing, skiing, diving, etc. with a group, you buy a travel accident insurance, but once this problem arises, the insurance company won’t pay.†This person in the industry cautions adventurous citizens to look at the insurance. Terms. "As far as I know, except for the main life insurance, the island city insurance companies all accidental injury insurance and travel liability insurance are exempted from crime, suicide, intentional behavior, war, and nuclear radiation, as with all personal insurance. In addition, the risk of the insured during dive, skiing, hang-gliding, parachuting, rock climbing, and adventure activities is basically beyond the scope of protection.†However, since the exemption treaty is often overlooked when the insurance treaty is signed, many insurers It is not at all clear that this type of exercise that he is engaged in is excluded from the scope of insurance coverage.
However, Mr. Yu seems to be dissatisfied with the “interpretation†mentioned above. “There are more and more people like me who enjoy adventurous activities, and the playing patterns are getting more and more fresh. I hope that insurance companies can face up to the face of our policyholders. Problem, design a reasonable 'product' to meet the market demand." (Qiu Lili)
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