Enjoy bungee jumping? Get accident protection before your next adventure journey.

Published By: Business Standard

Published Date: 6th October 2024

Engaging in adventure sports like scuba diving or bungee jumping carries inherent risks, and standard health or term insurance policies often exclude coverage for such activities. To address this gap, personal accident (PA) insurance policies are recommended, as they cover accidental death, permanent total disability, permanent partial disability, and temporary total disability.

These policies also offer benefits like parental care, child education support, and coverage for emergency family travel. For those participating in adventure sports, insurers such as Bajaj Allianz, Reliance, Tata AIG, and Magma HDI provide specialized covers. Premiums for adventure sports coverage vary based on risk profiles and the sum insured, with a ₹25–50 lakh cover costing approximately ₹20,000–25,000 annually, and higher covers exceeding ₹50 lakh ranging from ₹30,000 to ₹1 lakh per year. Experts advise selecting a comprehensive policy with a sum insured amounting to 100–120 times one's monthly income and thoroughly reviewing policy exclusions to ensure adequate protection during high-risk activities.​