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Navigating a safe hike with Accident Insurance
For many who haven’t been able to travel during the pandemic, autumn marks the time when breezy hikes and other outdoor activities become their newfound hobbies. However, it cannot be stressed enough how important it is to plan your hike and research accident blackspots. Your personal safety depends upon it. According to the Fire Services Department, there were 602 rescue reports filed for hikers in 2020, which is a sharp increase of 180% compared with the year before. Aside from planning your route, personal accident insurance is the way to protect yourself and secure help when you need it.
Leisure activities, such as hiking and camping, are classified as entertainment and hobbies in nature, and they are insured by most personal accident insurance plans with basic personal accidents and medical coverage. The most common accidents that occur during sport include falling and causing sprains, which are covered by personal accident insurance with related expenses in physiotherapy, chiropractic, bone-setting, and acupuncture, and more. For severe injuries that require immediate hospitalisation and surgery, personal accident insurance diversifies treatment options and provides better support to carers by protecting against any unexpected medical expenses. Personal accident insurance also protects you from loss of income during hospitalisation by providing daily cash benefits and medical expenses coverage for greater peace of mind during recovery. In the event of permanent disablement, or if the worst should happen, a weighed compensation payable up to the full premium value will be provided to the beneficiary and their family during their difficult time.
Most policies cover basic accidental death, permanent disablement, and medical expenses, and some go the extra mile with additional benefits which are closer to the needs of their beneficiary. For example, hiking accidents tend to involve damage to clothing and personal belongings that are covered by policies under “Clothing and Personal Effects Damage Compensation” in order to minimise any financial loss from hiking accidents. Some policies also include “Extra Indemnity for General Holiday” which hands out extra benefits for accidents that happen during general holidays in Hong Kong. Other benefits items, such as “Family Plan”, apply to the beneficiary’s son or daughter, if they are under 18, for additional protection. Some insurance policies also offer a “No Claim Bonus” which automatically upgrades the maximum claim value provided the policy holder has a no-claims record.
Choosing a personal accident insurance policy that offers a range of treatment options and recovery care is one step closer to full protection. Knowing our limits while undertaking outdoor activities also ensures we have a pleasant time with our hiking partners. Almost just as important is to tell our families and friends about the planned hiking route and estimated duration before departure. In the case of any unfortunate events, they can seek help from the police and professionals on our behalf as quickly as possible.
If you have any queries regarding different personal accident insurance plans, please feel free to contact us 
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Read more: Personal Accident Insurance offers peace of mind against the unexpected in life
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