Special sports insurance

If you often participate in high-risk sports such as rock climbing, skiing, cross-country running, and boxing that are not covered by ordinary accident insurance, or have clear needs for competition or professional training, special sports insurance is a very cost-effective necessity. The actual claim leverage can reach more than 3 times that of ordinary accident insurance.； But if you only occasionally play health ball in the community or take a walk in the park, there is no need to spend more money.

Last week, when I accompanied Brother Zhang from the running group to the insurance company to submit claim materials, I really realized how useful this thing is. He signed up for a 25-kilometer mountain cross-country race last month. Before setting off, he bought a 99-yuan general accident insurance with one-year coverage. As a result, he slipped and fractured his tibia while going down the mountain. The surgery and recovery cost nearly 20,000 yuan. When he went to settle the claim, he saw that the clause clearly stated "high-risk outdoor sports exemption", and he didn't get any compensation. If he had spent 28 yuan to buy the corresponding single-day mountain cross-country special insurance, he would have been reimbursed for 80% of the medical expenses alone, and even the subsequent withdrawal losses and event transfer fees would be covered.

At present, the attitude towards sports-specific insurance in the sports circle is actually quite polarized. A group of veterans who have been in the industry for five or six years are staunch "must buys". When I went to take the open water diving certificate test, the dive shop directly regarded "holding a valid diving special insurance policy" as a hard threshold for signing in. They said that a student who had not bought insurance had decompression sickness and was sent to the hospital. He spent more than 100,000, and ordinary accident insurance did not cover it. In the end, he almost went to court with the dive shop. Their logic is also very practical: the projects they usually play are already on the exemption list of ordinary accident insurance. If something happens to them, they can't afford hundreds of thousands in treatment fees. If they pay a few dozen yuan in premiums, they can buy them safely, and they won't lose money no matter what.

On the other side, many people think that this thing is an "IQ tax." Last week, my colleague went with a friend to experience indoor rock climbing. When he came back, he complained that the 20 yuan special insurance that the venue was forced to sell was a waste. "I climbed the lowest novice track and didn't even fall. Wouldn't it be better to buy a cup of milk tea for 20 yuan?" ”This kind of view is actually tenable: if it is just a low-frequency experiential participation, the risk itself is extremely low, and there is really no need to pay for an extremely low probability.

If you really plan to buy it, don’t just look at the price and choose the cheapest one. There are people around me who are cheating. During the snow season last year, my friend went skiing in Chongli and bought a one-day special insurance for RMB 9.9 at a bargain price. However, he failed to stop while snowboarding and hit someone. The other person suffered a fracture and had to pay more than RMB 30,000. When he turned over the insurance policy, he discovered that the RMB 9.9 insurance only covered his own medical expenses and had no third-party liability at all. In the end, all the money was paid for by himself. Also, pay attention to whether the coverage is just right for the activities you play. Don’t buy rock climbing insurance to go surfing. If something happens to you in the end, you won’t be compensated. If you often play a lot of sports, such as skiing, playing Frisbee, and occasionally hiking, you can choose an annual card that combines multiple sports. , much more cost-effective than buying single daily insurance every time. What I buy now is annual insurance for road running + Frisbee, which is only 128 a year. Last time, I twisted my foot while trying to get a CT scan and prescribed medicine, which cost more than 800. I was paid out within 3 days of submitting the materials, which is much more refreshing than the ordinary accident insurance I bought before.

In fact, in the final analysis, buying insurance is a matter of probability, and there is no absolute cost-effectiveness. If you spend time in a ski resort, rock climbing gym or cross-country mountain every week, don’t save tens of dollars. You will know how delicious it is when something goes wrong. ； If you can count the number of times you exercise a year on one hand, and they are all low-risk leisure activities, then there is really no need to spend such unnecessary money. The most taboo thing is not knowing anything, obviously signing up for a high-risk game but still playing with a normal accident insurance, so that if something happens, you won’t even have time to cry.