為什么普通意外險不理賠(pei)高風(feng)險運(yun)動(dong)

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像沙漠(mo)探(tan)險(xian)(xian)這(zhe)樣(yang)的(de)(de)探(tan)險(xian)(xian)活(huo)動，保(bao)(bao)險(xian)(xian)公司(si)的(de)(de)旅(lv)游意(yi)外(wai)險(xian)(xian)能不能保(bao)(bao)？對此，中國人壽、平安人壽、友(you)邦(bang)保(bao)(bao)險(xian)(xian)等保(bao)(bao)險(xian)(xian)公司(si)聲(sheng)音一致：拒保(bao)(bao)。“這(zhe)樣(yang)的(de)(de)探(tan)險(xian)(xian)活(huo)動風險(xian)(xian)太(tai)大，保(bao)(bao)險(xian)(xian)公司(si)在(zai)保(bao)(bao)險(xian)(xian)條款(kuan)中明確(que)把它列入免責條款(kuan)。遇到這(zhe)樣(yang)的(de)(de)事故，游客買了旅(lv)游意(yi)外(wai)責任險(xian)(xian)，保(bao)(bao)險(xian)(xian)公司(si)也不理賠。”幾家保(bao)(bao)險(xian)(xian)公司(si)昨日指出(chu)。

不(bu)(bu)(bu)僅各(ge)類探險(xian)(xian)(xian)活動保險(xian)(xian)(xian)公司不(bu)(bu)(bu)賠，潛水、攀巖(yan)、滑雪(xue)、滑水、滑翔翼、跳(tiao)傘、狩獵、賽馬、賽車(che)等(deng)備受“新新人類”追捧的時尚運(yun)動，也被列(lie)進保險(xian)(xian)(xian)公司的免責條款。“總之(zhi)(zhi)，不(bu)(bu)(bu)論是旅游意(yi)外責任(ren)險(xian)(xian)(xian)還是意(yi)外傷害險(xian)(xian)(xian)，個人壽險(xian)(xian)(xian)對各(ge)類探險(xian)(xian)(xian)活動和危險(xian)(xian)(xian)性運(yun)動不(bu)(bu)(bu)承保，風險(xian)(xian)(xian)太(tai)大!”中國人壽客服(fu)人員一言蔽之(zhi)(zhi)。

盡管各(ge)家保(bao)險(xian)(xian)公(gong)司(si)(si)都表態，個人壽(shou)險(xian)(xian)不接受對(dui)探險(xian)(xian)及(ji)各(ge)類高風(feng)(feng)險(xian)(xian)運(yun)動(dong)投(tou)保(bao)，但(dan)對(dui)一些(xie)癡迷其中的發燒友來說，保(bao)險(xian)(xian)公(gong)司(si)(si)團(tuan)體險(xian)(xian)的“蹦極、攀(pan)巖、潛(qian)(qian)水、滑雪這類高風(feng)(feng)險(xian)(xian)運(yun)動(dong)，保(bao)險(xian)(xian)公(gong)司(si)(si)團(tuan)險(xian)(xian)可(ke)以(yi)保(bao)。但(dan)要(yao)在(zai)(zai)標(biao)準保(bao)費(fei)基礎(chu)上加收費(fei)用(yong)，且(qie)有(you)(you)一定限(xian)制(zhi)條件。”保(bao)險(xian)(xian)業(ye)人士鄭(zheng)先(xian)生指出。以(yi)太(tai)平洋人壽(shou)為例，潛(qian)(qian)水運(yun)動(dong)在(zai)(zai)團(tuan)險(xian)(xian)承(cheng)保(bao)范圍內(nei)，但(dan)必須是不超過10米的潛(qian)(qian)水，保(bao)費(fei)是標(biao)準保(bao)費(fei)的4倍。而攀(pan)巖，如果有(you)(you)技(ji)術指導，是專(zhuan)業(ye)人員從事，或在(zai)(zai)市內(nei)有(you)(you)專(zhuan)業(ye)人員保(bao)護的室內(nei)場館，投(tou)保(bao)時加點保(bao)費(fei)，保(bao)險(xian)(xian)公(gong)司(si)(si)也可(ke)以(yi)保(bao)。但(dan)像一些(xie)攀(pan)巖愛好者外出“征服”險(xian)(xian)山(shan)峻嶺，保(bao)險(xian)(xian)公(gong)司(si)(si)就不保(bao)了。

再(zai)如滑(hua)雪(xue)。據鄭先(xian)生介紹，如要(yao)為(wei)滑(hua)雪(xue)上保(bao)(bao)險，投保(bao)(bao)人除了(le)必(bi)須跟隨團(tuan)旅(lv)(lv)行，保(bao)(bao)費(fei)(fei)也(ye)得(de)是標(biao)準保(bao)(bao)費(fei)(fei)的(de)(de)(de)3倍。也(ye)就是說(shuo)，如一(yi)般旅(lv)(lv)游意外責(ze)任險保(bao)(bao)費(fei)(fei)22元(yuan)，含(han)了(le)滑(hua)雪(xue)行程的(de)(de)(de)旅(lv)(lv)游意外責(ze)任險要(yao)賣66元(yuan)。游客買了(le)22元(yuan)的(de)(de)(de)旅(lv)(lv)游責(ze)任險，一(yi)旦(dan)滑(hua)雪(xue)出事，保(bao)(bao)險公司是不賠(pei)的(de)(de)(de)。而(er)如果游客興致特(te)別高昂，在一(yi)次旅(lv)(lv)游中又玩(wan)滑(hua)雪(xue)、又玩(wan)攀巖，計(ji)算下來保(bao)(bao)費(fei)(fei)又不相同，“是標(biao)準保(bao)(bao)費(fei)(fei)的(de)(de)(de)4倍”。

高風險(xian)運動(dong)保險(xian)在(zai)哪買(mai) 高風險(xian)保險(xian)購買(mai)注意(yi)事項

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隨著外(wai)出旅(lv)(lv)(lv)游(you)活動的(de)(de)(de)日益頻繁，旅(lv)(lv)(lv)游(you)保險(xian)(xian)做為一項重要的(de)(de)(de)保障計劃之一，是(shi)(shi)絕對不容忽視的(de)(de)(de)。需要提醒驢友們注意的(de)(de)(de)是(shi)(shi)，旅(lv)(lv)(lv)游(you)險(xian)(xian)并非所有的(de)(de)(de)旅(lv)(lv)(lv)游(you)活動，都是(shi)(shi)可以承(cheng)(cheng)保的(de)(de)(de)，一些(xie)旅(lv)(lv)(lv)游(you)保險(xian)(xian)產(chan)品(pin)是(shi)(shi)無法承(cheng)(cheng)保高風險(xian)(xian)運(yun)動的(de)(de)(de)。依據(ju)保險(xian)(xian)合同(tong)說明，攀巖、探險(xian)(xian)、滑雪、跳傘、潛(qian)水、狩獵、蹦(beng)極、武術(shu)比賽(sai)、摔跤比賽(sai)、搏擊、特技(ji)表演、賽(sai)馬、賽(sai)車、熱氣球等均(jun)被(bei)列為高危(wei)運(yun)動項目。

普通旅游險、自駕游險拒絕承擔高危風險

目前多數旅(lv)(lv)游險均將(jiang)高危(wei)旅(lv)(lv)游項目列為除外責任。旅(lv)(lv)游險責任不(bu)(bu)(bu)包括高危(wei)活(huo)動，并不(bu)(bu)(bu)意味著傷(shang)亡游客(ke)就一(yi)定得不(bu)(bu)(bu)到(dao)賠償。如果由(you)機(ji)械故障(zhang)或者活(huo)動主(zhu)辦方操(cao)作不(bu)(bu)(bu)當導(dao)致的事故，遇(yu)難者家(jia)屬都有(you)權向旅(lv)(lv)游景(jing)點索賠。

自助游險、戶外運動險設高危運動承保可選項

現(xian)在參加戶外運(yun)動的(de)游(you)客越(yue)來越(yue)多。為了迎(ying)合(he)市場需求，一(yi)些(xie)保(bao)(bao)險(xian)(xian)公(gong)司(si)設計的(de)產品中也包(bao)含了高風(feng)(feng)險(xian)(xian)項(xiang)目的(de)賠付責任，如承保(bao)(bao)跳(tiao)傘、潛水、滑雪、攀巖、探險(xian)(xian)等非職(zhi)業高風(feng)(feng)險(xian)(xian)活(huo)(huo)動，一(yi)般(ban)是(shi)可以保(bao)(bao)障的(de)。此(ci)類旅(lv)(lv)游(you)險(xian)(xian)適(shi)合(he)于具有特(te)定旅(lv)(lv)游(you)目的(de)的(de)游(you)客，游(you)客在決定探險(xian)(xian)前，一(yi)定要(yao)仔細挑選適(shi)合(he)自己(ji)的(de)保(bao)(bao)險(xian)(xian)產品。旅(lv)(lv)客遇險(xian)(xian)能否(fou)獲得賠償要(yao)視(shi)保(bao)(bao)單是(shi)否(fou)包(bao)括上述活(huo)(huo)動，如果沒(mei)有特(te)別注明“不保(bao)(bao)”的(de)活(huo)(huo)動，一(yi)般(ban)都納(na)入保(bao)(bao)險(xian)(xian)責任范圍，如果不保(bao)(bao)項(xiang)目中沒(mei)有注明，保(bao)(bao)險(xian)(xian)公(gong)司(si)就一(yi)定要(yao)賠。

戶(hu)外保(bao)險(xian)哪個好 戶(hu)外保(bao)險(xian)購買

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意外和醫療保額要高

無論您是出(chu)國旅(lv)游(you)(you)還(huan)是國內游(you)(you)，如果(guo)旅(lv)游(you)(you)計(ji)劃中(zhong)帶有高(gao)風(feng)險(xian)(xian)運動項(xiang)目，那么在挑選戶外運動保(bao)(bao)(bao)(bao)險(xian)(xian)時(shi)都要(yao)(yao)適(shi)當提(ti)高(gao)意(yi)(yi)外保(bao)(bao)(bao)(bao)障的額(e)(e)(e)度，理想狀況下(xia)，身故及(ji)全(quan)殘(can)的保(bao)(bao)(bao)(bao)額(e)(e)(e)設定應(ying)為被(bei)保(bao)(bao)(bao)(bao)險(xian)(xian)人年收入的10倍為宜，這(zhe)能夠保(bao)(bao)(bao)(bao)證意(yi)(yi)外發生(sheng)后(hou)，被(bei)保(bao)(bao)(bao)(bao)險(xian)(xian)人的家庭生(sheng)活質量在10年內不會(hui)受影響。另外，挑選高(gao)風(feng)險(xian)(xian)運動保(bao)(bao)(bao)(bao)險(xian)(xian)時(shi)醫療保(bao)(bao)(bao)(bao)障額(e)(e)(e)度也(ye)要(yao)(yao)適(shi)當提(ti)高(gao)，具(ju)體(ti)的醫療費用、住院津貼等保(bao)(bao)(bao)(bao)額(e)(e)(e)可根據目的地的醫療

帶有緊急醫療運送與送返保障

高風險運(yun)動保(bao)險怎么買？廣大(da)旅(lv)(lv)客在挑選(xuan)此類保(bao)險時(shi)一(yi)定(ding)要關注(zhu)緊急醫療(liao)運(yun)送(song)與送(song)返(fan)(fan)保(bao)障(zhang)，因為這(zhe)方面的費用十(shi)分昂(ang)貴，尤其是(shi)國際緊急醫療(liao)運(yun)送(song)與送(song)返(fan)(fan)費用，動輒幾十(shi)萬元，這(zhe)對(dui)于(yu)(yu)廣大(da)旅(lv)(lv)客而(er)言(yan)無疑是(shi)一(yi)項巨大(da)的經濟風險。而(er)且如果(guo)您(nin)不選(xuan)擇這(zhe)項服(fu)務(wu)(wu)，當意外風險降臨時(shi)您(nin)還需要自己在當地聯系相(xiang)關服(fu)務(wu)(wu)，而(er)在人生(sheng)地不熟(shu)的旅(lv)(lv)行地，這(zhe)無疑是(shi)比較(jiao)艱(jian)難的事情。值得注(zhu)意的是(shi)，您(nin)在挑選(xuan)了帶(dai)有該保(bao)障(zhang)的保(bao)險產品以(yi)后(hou)，一(yi)定(ding)要將該服(fu)務(wu)(wu)熱線熟(shu)記于(yu)(yu)心，以(yi)備(bei)不時(shi)之需。

帶有24小時緊急救援服務

考慮到高風(feng)(feng)險(xian)(xian)(xian)(xian)(xian)運動(dong)帶(dai)有(you)(you)極高的(de)(de)(de)(de)風(feng)(feng)險(xian)(xian)(xian)(xian)(xian)性，為(wei)確保(bao)(bao)(bao)(bao)旅(lv)(lv)客在(zai)從事戶外運動(dong)時(shi)(shi)發生緊急(ji)風(feng)(feng)險(xian)(xian)(xian)(xian)(xian)可(ke)以及時(shi)(shi)獲(huo)(huo)得幫(bang)助，建(jian)議在(zai)挑選相應的(de)(de)(de)(de)高風(feng)(feng)險(xian)(xian)(xian)(xian)(xian)運動(dong)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)時(shi)(shi)24小時(shi)(shi)緊急(ji)救(jiu)援服務(wu)保(bao)(bao)(bao)(bao)障(zhang)不可(ke)少(shao)。目前大(da)部(bu)分保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)公司都推(tui)出了這種高風(feng)(feng)險(xian)(xian)(xian)(xian)(xian)運動(dong)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)，建(jian)議廣大(da)旅(lv)(lv)客在(zai)挑選時(shi)(shi)一(yi)定(ding)要優(you)(you)先關注大(da)品牌的(de)(de)(de)(de)、有(you)(you)資質(zhi)的(de)(de)(de)(de)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)公司的(de)(de)(de)(de)產品，因為(wei)往往大(da)品牌的(de)(de)(de)(de)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)公司所提供的(de)(de)(de)(de)24小時(shi)(shi)緊急(ji)救(jiu)援服務(wu)具有(you)(you)服務(wu)網(wang)點覆蓋廣、服務(wu)質(zhi)量優(you)(you)質(zhi)的(de)(de)(de)(de)優(you)(you)勢，這樣可(ke)以確保(bao)(bao)(bao)(bao)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)事故發生時(shi)(shi)旅(lv)(lv)客可(ke)以獲(huo)(huo)得及時(shi)(shi)的(de)(de)(de)(de)、貼(tie)心(xin)的(de)(de)(de)(de)服務(wu)。為(wei)了確保(bao)(bao)(bao)(bao)您及時(shi)(shi)獲(huo)(huo)得相關服務(wu)，建(jian)議您投保(bao)(bao)(bao)(bao)后(hou)將(jiang)救(jiu)援熱線熟記于心(xin)。