為什么普通意(yi)外險不理賠高風險運動

該圖片由注冊用戶"夜話金融街"提供，版權聲明反饋

像沙漠(mo)探(tan)險(xian)這(zhe)樣的(de)探(tan)險(xian)活動(dong)，保(bao)(bao)(bao)(bao)險(xian)公司的(de)旅游(you)意(yi)外險(xian)能不(bu)(bu)能保(bao)(bao)(bao)(bao)？對此，中(zhong)國人壽(shou)、平(ping)安人壽(shou)、友(you)邦保(bao)(bao)(bao)(bao)險(xian)等(deng)保(bao)(bao)(bao)(bao)險(xian)公司聲(sheng)音一致：拒保(bao)(bao)(bao)(bao)。“這(zhe)樣的(de)探(tan)險(xian)活動(dong)風(feng)險(xian)太大，保(bao)(bao)(bao)(bao)險(xian)公司在(zai)保(bao)(bao)(bao)(bao)險(xian)條(tiao)(tiao)款中(zhong)明確把它列入免責條(tiao)(tiao)款。遇到這(zhe)樣的(de)事故，游(you)客買(mai)了旅游(you)意(yi)外責任險(xian)，保(bao)(bao)(bao)(bao)險(xian)公司也不(bu)(bu)理賠。”幾家(jia)保(bao)(bao)(bao)(bao)險(xian)公司昨日指(zhi)出。

不(bu)(bu)僅(jin)各類(lei)探險(xian)(xian)活動(dong)保險(xian)(xian)公司(si)不(bu)(bu)賠，潛水、攀巖、滑雪、滑水、滑翔翼、跳傘、狩獵、賽(sai)馬、賽(sai)車(che)等備受“新新人類(lei)”追捧的時尚運(yun)動(dong)，也被列進保險(xian)(xian)公司(si)的免責條款。“總之，不(bu)(bu)論是旅游(you)意外責任險(xian)(xian)還是意外傷(shang)害險(xian)(xian)，個人壽險(xian)(xian)對各類(lei)探險(xian)(xian)活動(dong)和危險(xian)(xian)性(xing)運(yun)動(dong)不(bu)(bu)承保，風險(xian)(xian)太大!”中國人壽客(ke)服人員一言(yan)蔽之。

盡管各(ge)家(jia)保(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)(gong)司(si)都表(biao)態，個人壽(shou)險(xian)(xian)(xian)不(bu)接受對(dui)探險(xian)(xian)(xian)及(ji)各(ge)類(lei)(lei)高(gao)風(feng)險(xian)(xian)(xian)運(yun)(yun)動(dong)(dong)投(tou)(tou)保(bao)(bao)(bao)，但(dan)對(dui)一(yi)(yi)些癡(chi)迷(mi)其中的(de)發燒友來說，保(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)(gong)司(si)團體險(xian)(xian)(xian)的(de)“蹦(beng)極、攀(pan)(pan)巖、潛(qian)(qian)水(shui)、滑雪這類(lei)(lei)高(gao)風(feng)險(xian)(xian)(xian)運(yun)(yun)動(dong)(dong)，保(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)(gong)司(si)團險(xian)(xian)(xian)可(ke)以(yi)保(bao)(bao)(bao)。但(dan)要在(zai)標準保(bao)(bao)(bao)費(fei)(fei)基礎上(shang)加收費(fei)(fei)用，且有一(yi)(yi)定限制條件(jian)。”保(bao)(bao)(bao)險(xian)(xian)(xian)業(ye)人士鄭(zheng)先生指出。以(yi)太平洋人壽(shou)為例，潛(qian)(qian)水(shui)運(yun)(yun)動(dong)(dong)在(zai)團險(xian)(xian)(xian)承(cheng)保(bao)(bao)(bao)范圍內(nei)，但(dan)必須(xu)是(shi)(shi)不(bu)超過(guo)10米的(de)潛(qian)(qian)水(shui)，保(bao)(bao)(bao)費(fei)(fei)是(shi)(shi)標準保(bao)(bao)(bao)費(fei)(fei)的(de)4倍。而(er)攀(pan)(pan)巖，如果有技術指導(dao)，是(shi)(shi)專(zhuan)(zhuan)業(ye)人員從事，或在(zai)市內(nei)有專(zhuan)(zhuan)業(ye)人員保(bao)(bao)(bao)護的(de)室內(nei)場館，投(tou)(tou)保(bao)(bao)(bao)時加點保(bao)(bao)(bao)費(fei)(fei)，保(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)(gong)司(si)也可(ke)以(yi)保(bao)(bao)(bao)。但(dan)像(xiang)一(yi)(yi)些攀(pan)(pan)巖愛好者外出“征服(fu)”險(xian)(xian)(xian)山(shan)峻(jun)嶺，保(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)(gong)司(si)就(jiu)不(bu)保(bao)(bao)(bao)了。

再如(ru)滑(hua)(hua)(hua)雪(xue)。據鄭先生介(jie)紹，如(ru)要為滑(hua)(hua)(hua)雪(xue)上保(bao)險(xian)(xian)，投保(bao)人除了(le)(le)必須跟隨團旅(lv)行，保(bao)費(fei)(fei)也得是(shi)(shi)(shi)標準保(bao)費(fei)(fei)的(de)(de)3倍。也就(jiu)是(shi)(shi)(shi)說，如(ru)一般旅(lv)游(you)(you)意(yi)外責(ze)任(ren)險(xian)(xian)保(bao)費(fei)(fei)22元(yuan)，含了(le)(le)滑(hua)(hua)(hua)雪(xue)行程(cheng)的(de)(de)旅(lv)游(you)(you)意(yi)外責(ze)任(ren)險(xian)(xian)要賣66元(yuan)。游(you)(you)客買了(le)(le)22元(yuan)的(de)(de)旅(lv)游(you)(you)責(ze)任(ren)險(xian)(xian)，一旦滑(hua)(hua)(hua)雪(xue)出事(shi)，保(bao)險(xian)(xian)公司是(shi)(shi)(shi)不(bu)賠的(de)(de)。而如(ru)果游(you)(you)客興致特別高昂(ang)，在一次旅(lv)游(you)(you)中又玩(wan)滑(hua)(hua)(hua)雪(xue)、又玩(wan)攀巖(yan)，計(ji)算下(xia)來(lai)保(bao)費(fei)(fei)又不(bu)相同，“是(shi)(shi)(shi)標準保(bao)費(fei)(fei)的(de)(de)4倍”。

高風險運(yun)動保(bao)(bao)險在(zai)哪買 高風險保(bao)(bao)險購買注意事項

該圖片由注冊用戶"夜話金融街"提供，版權聲明反饋

隨著(zhu)外(wai)出旅游(you)(you)活動的(de)(de)日(ri)益頻繁，旅游(you)(you)保(bao)險做為(wei)一項重要的(de)(de)保(bao)障計(ji)劃之(zhi)一，是絕對不容忽視的(de)(de)。需要提(ti)醒(xing)驢友(you)們注(zhu)意的(de)(de)是，旅游(you)(you)險并(bing)非所有的(de)(de)旅游(you)(you)活動，都是可(ke)以承(cheng)保(bao)的(de)(de)，一些旅游(you)(you)保(bao)險產品(pin)是無法承(cheng)保(bao)高(gao)風險運動的(de)(de)。依據保(bao)險合同說明(ming)，攀巖、探險、滑雪、跳傘、潛水、狩獵、蹦極、武術比(bi)賽(sai)、摔跤(jiao)比(bi)賽(sai)、搏擊、特技表演、賽(sai)馬、賽(sai)車、熱氣(qi)球等均(jun)被列為(wei)高(gao)危運動項目。

普通旅游險、自駕游險拒絕承擔高危風險

目(mu)前多數旅(lv)游(you)險均將高(gao)危旅(lv)游(you)項目(mu)列為(wei)除(chu)外責(ze)任(ren)。旅(lv)游(you)險責(ze)任(ren)不包(bao)括高(gao)危活動(dong)，并(bing)不意味著(zhu)傷亡游(you)客就一(yi)定(ding)得(de)不到賠(pei)償。如果由機械故障或者(zhe)(zhe)活動(dong)主辦方操作不當導(dao)致的(de)事(shi)故，遇(yu)難者(zhe)(zhe)家(jia)屬都有權向(xiang)旅(lv)游(you)景點索賠(pei)。

自助游險、戶外運動險設高危運動承保可選項

現在(zai)參(can)加戶外運動(dong)(dong)的(de)游(you)(you)(you)客越來越多。為了迎合市場需求，一(yi)些(xie)保(bao)險(xian)公司(si)設計(ji)的(de)產(chan)(chan)品中(zhong)(zhong)也包含了高風險(xian)項(xiang)目的(de)賠付責(ze)任，如承保(bao)跳傘(san)、潛水(shui)、滑雪(xue)、攀巖、探險(xian)等非職(zhi)業高風險(xian)活動(dong)(dong)，一(yi)般(ban)是可(ke)以保(bao)障的(de)。此類旅(lv)游(you)(you)(you)險(xian)適(shi)合于具有特定旅(lv)游(you)(you)(you)目的(de)的(de)游(you)(you)(you)客，游(you)(you)(you)客在(zai)決(jue)定探險(xian)前，一(yi)定要(yao)仔細挑(tiao)選適(shi)合自己的(de)保(bao)險(xian)產(chan)(chan)品。旅(lv)客遇險(xian)能否(fou)獲得(de)賠償要(yao)視(shi)保(bao)單是否(fou)包括上(shang)述(shu)活動(dong)(dong)，如果沒(mei)(mei)有特別注明“不保(bao)”的(de)活動(dong)(dong)，一(yi)般(ban)都納入保(bao)險(xian)責(ze)任范圍，如果不保(bao)項(xiang)目中(zhong)(zhong)沒(mei)(mei)有注明，保(bao)險(xian)公司(si)就一(yi)定要(yao)賠。

戶外(wai)保險哪個好 戶外(wai)保險購買

該圖片由注冊用戶"夜話金融街"提供，版權聲明反饋

意外和醫療保額要高

無論您是出國(guo)(guo)旅游(you)還是國(guo)(guo)內游(you)，如果(guo)旅游(you)計劃中(zhong)帶有高(gao)(gao)風(feng)險(xian)運(yun)動項目(mu)，那么(me)在挑(tiao)選(xuan)戶外運(yun)動保(bao)(bao)(bao)險(xian)時都(dou)要(yao)適當(dang)提高(gao)(gao)意外保(bao)(bao)(bao)障的額(e)度，理想狀況(kuang)下(xia)，身故及全殘的保(bao)(bao)(bao)額(e)設定應為(wei)被(bei)保(bao)(bao)(bao)險(xian)人年收入的10倍(bei)為(wei)宜，這能夠保(bao)(bao)(bao)證意外發(fa)生后(hou)，被(bei)保(bao)(bao)(bao)險(xian)人的家庭(ting)生活質量在10年內不會(hui)受(shou)影響(xiang)。另外，挑(tiao)選(xuan)高(gao)(gao)風(feng)險(xian)運(yun)動保(bao)(bao)(bao)險(xian)時醫(yi)療保(bao)(bao)(bao)障額(e)度也要(yao)適當(dang)提高(gao)(gao)，具體(ti)的醫(yi)療費用、住院(yuan)津貼等保(bao)(bao)(bao)額(e)可根據目(mu)的地的醫(yi)療

帶有緊急醫療運送與送返保障

高風險(xian)運(yun)動(dong)保險(xian)怎么買(mai)？廣大(da)旅(lv)客在挑選此類保險(xian)時(shi)一定要(yao)關注緊(jin)急醫療運(yun)送(song)(song)(song)與送(song)(song)(song)返保障(zhang)，因為這方面(mian)的(de)費(fei)用十(shi)分昂(ang)貴，尤其是(shi)國際緊(jin)急醫療運(yun)送(song)(song)(song)與送(song)(song)(song)返費(fei)用，動(dong)輒幾十(shi)萬元，這對于廣大(da)旅(lv)客而(er)言無疑是(shi)一項巨大(da)的(de)經(jing)濟(ji)風險(xian)。而(er)且如果您不選擇這項服務(wu)(wu)，當(dang)意(yi)外風險(xian)降(jiang)臨時(shi)您還需要(yao)自己在當(dang)地聯(lian)系相關服務(wu)(wu)，而(er)在人生地不熟的(de)旅(lv)行(xing)地，這無疑是(shi)比較艱難的(de)事情。值得注意(yi)的(de)是(shi)，您在挑選了帶有(you)該保障(zhang)的(de)保險(xian)產品以(yi)后(hou)，一定要(yao)將該服務(wu)(wu)熱線熟記于心，以(yi)備(bei)不時(shi)之(zhi)需。

帶有24小時緊急救援服務

考慮到高風(feng)險(xian)(xian)運(yun)動(dong)帶有(you)極高的風(feng)險(xian)(xian)性，為確(que)保(bao)(bao)(bao)旅客(ke)在從事(shi)戶(hu)外運(yun)動(dong)時(shi)(shi)(shi)發(fa)生緊(jin)(jin)急風(feng)險(xian)(xian)可(ke)以(yi)及(ji)時(shi)(shi)(shi)獲(huo)得(de)幫(bang)助，建(jian)(jian)議(yi)(yi)在挑選(xuan)相(xiang)應的高風(feng)險(xian)(xian)運(yun)動(dong)保(bao)(bao)(bao)險(xian)(xian)時(shi)(shi)(shi)24小時(shi)(shi)(shi)緊(jin)(jin)急救(jiu)援服務(wu)(wu)(wu)(wu)保(bao)(bao)(bao)障不可(ke)少。目前大(da)部分保(bao)(bao)(bao)險(xian)(xian)公(gong)(gong)司(si)都推出了(le)這種高風(feng)險(xian)(xian)運(yun)動(dong)保(bao)(bao)(bao)險(xian)(xian)，建(jian)(jian)議(yi)(yi)廣大(da)旅客(ke)在挑選(xuan)時(shi)(shi)(shi)一(yi)定要(yao)優(you)(you)先關注大(da)品(pin)牌的、有(you)資質的保(bao)(bao)(bao)險(xian)(xian)公(gong)(gong)司(si)的產品(pin)，因為往往大(da)品(pin)牌的保(bao)(bao)(bao)險(xian)(xian)公(gong)(gong)司(si)所提(ti)供的24小時(shi)(shi)(shi)緊(jin)(jin)急救(jiu)援服務(wu)(wu)(wu)(wu)具有(you)服務(wu)(wu)(wu)(wu)網點(dian)覆蓋廣、服務(wu)(wu)(wu)(wu)質量優(you)(you)質的優(you)(you)勢，這樣可(ke)以(yi)確(que)保(bao)(bao)(bao)保(bao)(bao)(bao)險(xian)(xian)事(shi)故發(fa)生時(shi)(shi)(shi)旅客(ke)可(ke)以(yi)獲(huo)得(de)及(ji)時(shi)(shi)(shi)的、貼心的服務(wu)(wu)(wu)(wu)。為了(le)確(que)保(bao)(bao)(bao)您及(ji)時(shi)(shi)(shi)獲(huo)得(de)相(xiang)關服務(wu)(wu)(wu)(wu)，建(jian)(jian)議(yi)(yi)您投保(bao)(bao)(bao)后將救(jiu)援熱線(xian)熟(shu)記于心。