as one of the high-risk sports, skiing is different from ordinary accidental injury, so it is usually listed in the exemption of accident insurance. So, how to choose insurance to add a guarantee for skiing?
It's another day when Gu Ailing and Su Yiming "circle powder". On February 14, the schedule of the Beijing Winter Olympic Games was more than half. About 515 million people in China watched the event broadcast on the main station, which is behind everyone's love and attention to ice and snow sports.
In fact, since the successful bid for the Beijing Winter Olympics, China's ice and snow sports have developed rapidly, and the goal of "300 million people on ice and snow" has been achieved. According to the latest data released by China Tourism Research Institute, the number of ice and snow leisure tourists in China will reach 305 million in the ice and snow season from 2021 to 2022, and the "National Ice and snow fever" is coming.
Ice and snow sports are exciting and interesting, but the potential safety hazards can not be ignored. "The orthopaedic doctor said that nine operations a day and seven were skiing" and "the end of the snow track is orthopaedics" so they rushed to the hot search. Netizens also joked, "Gu ailing, you are a broken bone". At the same time, it also drives the hot sales of ice and snow sports insurance.
Insurance industry experts remind that skiing insurance is a kind of accident insurance, but most accident insurance does not include skiing accident liability. Therefore, when purchasing insurance, we should pay attention to the accident insurance that "expands" the ski sports or "explicitly excluded" ski liability, or directly purchase exclusive ski insurance.
insurance coverage is just needed
As orthopedic doctors introduced, skiing, skating and other sports are relatively high-speed, coupled with heavy equipment, most of the injuries are high-energy injuries, which are usually more serious than sports injuries such as ball games and running and jumping. Many people have fractures, which are mostly concentrated in the wrist, ankle and waist.
The losses caused by skiing injury accidents are also quite amazing. According to statistics, the average amount of each accident in China is 132591.51 yuan, with a median of 81428.42 yuan. The maximum amount of direct economic loss is 1616400 yuan, and the minimum amount of direct economic loss is 3331.49 yuan.
He Jian, general manager of Huize portable Insurance Division, told reporters that in terms of skiing behavior, the demand for accident insurance should be the highest. "Skiing is prone to accidents. There are many bumps and fractures. Everyone still needs pain points."
It should be noted that not all accident insurance covers skiing accident liability. As one of the high-risk sports, skiing is different from ordinary accidental injuries, so it is usually listed in the exemption from liability.
"We also found that the incidence rate of snow sports injuries is high, and the demand for unexpected protection is increasing rapidly. However, ordinary accident insurance does not include the protection responsibility of high risk ice snow sports such as skiing." According to the relevant person in charge of Zhong'an insurance, the company officially launched the "National Ice and snow sports accident insurance" on February 5 this year, which is not only tailored for high-risk ice and snow sports to meet the customized needs of users, but also helps more people who love ice and snow sports to participate in ice and snow sports.
"National Ice and snow sports accident insurance" is to provide protection for users' alpine skiing, snowboarding, sledding, skating, ice hockey, curling and other sports in profitable places. The scope of protection includes not only accidental medical treatment, accidental death and disability, accidental fracture, but also liability insurance for accidental injury to others and cancellation of journey, but also skateboarding The maximum total amount of property insurance for stolen or damaged sledges and other appliances exceeds 400000 yuan. In addition, the product also provides users with emergency rescue services, including first aid guidance, medical transportation and assistance in medical treatment and hospitalization.
products to be innovated
He Jian pointed out that the sales scenario of insurance products is different from other formats. Generally, there are relatively few scenarios for consumers to take the initiative to find an insurance product. Take skiing insurance as an example. Most of its consumption scenes are in sports scenes, such as buying skiing equipment, finding a coach to learn skiing, and tickets to scenic spots are covered by insurance products. From the user's preparation for skiing to the skiing site, insurance products are implanted in all links. Therefore, the ice and snow heat will certainly drive the sales of insurance products.
He also pointed out that driven by the Winter Olympics, the insurance industry has a great opportunity to innovate sports insurance products such as skiing and skating, improve services and enhance brand effect. "For people who like skiing, their comprehensive quality and consumption ability are much higher than other sports games. Some high demands can be innovated." He Jian bluntly said that at present, most products on the market are general products for outdoor sports, rather than products for the special group of skiing. However, there is a demand for ski enthusiasts to make their personal responsibility reach 1 million yuan or even higher, rather than making a simple guarantee on the product of a few yuan or more than ten or twenty yuan. Therefore, the products need to be upgraded and innovated.
He Jian also suggested that insurance companies improve services and enhance brand effect. "In addition to skiing, these people who like skiing also like other sports, such as surfing, diving and so on. After their insurance awareness is enhanced, they will also take the initiative to buy some health insurance and life insurance products for themselves."
how to choose ski insurance
So, how to choose ski insurance? What should we pay attention to when applying for insurance?
Yang Fan, a senior person in the insurance industry, told the international finance news that we must first judge whether an insurance includes skiing accident liability. In general, skiing accidents cannot be guaranteed as long as all "high-risk sports" are included in the liability exemption clause and the scope is not clearly limited.
Products that include ski accident liability must be "extended" ski sports, or "expressly excluded" ski accident insurance.
Or insurance products specifically for travel and outdoor sports.
Yang Fan added that a good ski insurance generally includes the following aspects:
Accidental death / disability: the basic guarantee of accident insurance. The insured amount should be fully purchased. The disability compensation is a certain proportion of the insured amount according to the actual disability level.
Accidental medical treatment: the higher the amount, the better. Some products include hospitalization allowance.
Medical transportation and return / dead body transportation and return: the cost of emergency rescue and repatriation in case of accident. It is recommended to take this item when skiing abroad.
Flight / journey delay and loss of Finance / documents: generally, overseas travel insurance will include such protection, which usually also includes travel protection such as visa rejection and bank card theft. It is optional for going abroad, which is not necessary in China.
Direct payment for medical treatment / hospitalization: in case of accident, medical treatment and hospitalization do not need to pay for themselves. The insurance company will settle directly with the hospital within the medical limit, especially when traveling abroad / skiing / diving. This can avoid many troubles and is very humanized.
Personal liability: similar to the three party insurance in automobile insurance, that is, if the injury caused to others or objects needs to be compensated, for example, if the person is injured in the snow and the board of others needs to be compensated, it shall be compensated by the insurance company. Here, we should also pay attention to whether the exemption clause of the additional clause exempts the high-risk sports.
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