Brokerfish

Hazardous Activities

Extreme sports and dangerous behavior, except in an attempt to save human life, are typically excluded from coverage under most health and travel insurance policies. This means that if an individual is injured or becomes ill as a result of participating in extreme sports or engaging in dangerous behavior, the costs of their medical treatment may not be covered by their insurance policy.

Examples of extreme sports that are often excluded from coverage include activities such as kite flying, diving below a certain depth, free climbing, and so on. Dangerous behavior such as balancing on a ledge, would also be excluded from coverage unless you are doing it in an attempt to save a child’s life, who has somehow ended up on the ledge and there is danger for the child’s life.

It’s important to understand that coverage for extreme sports and dangerous behavior can vary among insurance providers and policies. Some insurance providers may offer coverage for certain extreme sports or activities as add-ons to a policy, but these add-ons may come at an additional cost.

It’s essential for individuals to consult with their insurance providers to fully understand the terms and conditions of their insurance policies and what activities and behavior are covered. It’s also important to review the terms and conditions of a policy before purchasing it.