Adventure tourism is on the rise across the world, and Indian travelers are now increasingly using the opportunity to seek out adrenaline-driven experiences—whether that is trekking in the Himalayas, scuba diving in the Maldives, or snowboarding in Europe. However, with adventure comes higher health risks, so every adventurer needs to carry the right travel health insurance.
Unlike standard travel policies, adventure travel health insurance covers high-risk activities, medical emergency evacuations, and special treatments abroad. Without the correct protection, you could be left with colossal out-of-pocket expenses within another country. Reputable insurers like Chola MS will have broad plans that suit adventure travel needs.
Why Travel Health Insurance Matters for Adventurers
More than 60% of Indian millennials are researching international journeys and booking experiential rather than traditional travel. Medical risks that were once a hypothetical situation are now a reality. According to the IRDAI, nearly 1 in 4 claims under travel health insurance relate to injuries occurring while participating in leisure activities abroad. Additionally, emergency evacuations, hospitalization in remote areas, or rescue missions could rain down in lakhs—none of which you would be covered for.
Whether it’s trekking in Ladakh or bungee jumping in New Zealand, a plan from Chola MS Travel Insurance will cover both preventative medical care and extreme circumstances.
What to Look for in a Travel Health Insurance Policy
1. Adventure Activity Coverage
Your standard policies may not cover any injury or accident you sustain while participating in adventure sports. Any insurance policy that includes coverage for the following activities should be looked for:
- Trekking
- Skiing
- Bungee jumping
- Deep-sea diving
For example, Chola MS has optional riders to extend your coverage to these extreme activities.
2. Emergency Evacuation and Repatriation
If you hurt yourself in a remote location, it may require air evacuation to reach medical treatment. Ensure the policy includes coverage for the following:
- Air ambulance services
- Repatriation of remains
- Transport to the nearest hospital
Most Chola MS comprehensive international travel plans will include these services.
3. Cashless Hospital Network
If you access only a worldwide network of hospitals with cashless facilities, you won’t be required to make immediate payments. Chola MS travel insurance gives you this access and will, therefore, ease your stress levels in the case of an emergency.
4. Accidental Death and Disability Benefits
Ensure the policy provides:
- Compensation for accidental death
- Benefits for partial or permanent disability
- Daily cash hospital benefit for long hospital stay
This is crucial for solo or family-dependent travelers who engage in high-risk travel.
5. Digital Services and Support
Look for insurance that helps with digital onboarding, claim filing, and assistance. Chola MS is a fully digital experience where you can instantly download the app, track your claims in the app, and get guidance.
Additional Considerations
- Claim Limits: Ensure that the sum insured will be sufficient to cover medical costs in the more expensive places.
- Exclusions: Look for exclusions on pre-existing medical ailments or injuries sustained when intoxicated.
- Duration flexibility: If you travel frequently, you can choose between a single-trip or a multi-trip plan.
Why Chola MS is Ideal for Adventure Travellers
Chola MS Travel Insurance caters to all levels of travel for your peace of mind! Take a look at the list of benefits you get when booking with us:
- Adventure activity add-ons
- Emergency assistance support
- Connecting with a wide network of hospitals while you are abroad
- Clear claims process
With Chola MS, you can expect reliable coverage and the assurance of being covered by one of India’s top insurers.
Conclusion
Adventure travel offers incredible experiences—but only in safety. A solid travel health insurance policy for high-risk activities will save you both a financial and logistical mess. Travel insurance also assists you in your time of need in dealing with hospital bills, emergency evacuation, and more.Before starting your next adventure, look at Chola MS Travel Insurance’s flexible and well-designed plans. Good digital experience and the ability to include adventure insurance are the best features of all travel insurance products. Security and safety.
