Go surfing in Hualien, snorkeling in Green Island, diving in Xiaoliuqiu... etc. Taiwan is surrounded by the sea, and you can enjoy water sports almost all year round. When you go out for fun, you may remember to take out travel safety insurance (hereinafter referred to as "travel insurance") and travel inconvenience insurance. However, do you know that these insurances do not cover the water activities you are about to do? If your accident occurs due to surfing, diving, banana boating, etc. Such water activities are not covered by travel insurance, you can use insurance specially designed for marine activities: Comprehensive marine activity insurance (hereinafter referred to as "marine insurance") ”)! Let’s take a look at what marine insurance can do?

I need to buy marine insurance when I go to the beach, but I already bought travel insurance. Isn’t that enough?
Without further ado, let’s look directly at the comparison of the differences between travel insurance and marine insurance:

As can be seen from this table: Accidents that are likely to occur during beach activities are not covered by travel insurance. For example, accidents such as diver's disease, hypothermia, heat stroke, and heat exhaustion are difficult for insurance companies to define. Whether the cause of these accidents is "illness" or "accident", if you apply for insurance benefits because of these accidents, there is a high chance that the insurance company will not pay the claim.

Therefore, before planning to engage in water activities, I would like to remind everyone to remember to purchase marine insurance. During travel, in addition to the protection of basic travel insurance, marine insurance can supplement the protection related to marine activities.

The common features of marine insurance of the above insurance companies are:

1. Which water activities are considered the first type of activities? What are the second types of activities?
Category 1 activities: including surfing, diving activities other than snorkeling, windsurfing, water skiing, jet skiing, and rock fishing.

Category 2 activities: including swimming, parasailing, canoeing, rafting, banana boats, rubber boats, towed floats, water bikes, hand rowing, stand-up paddling, or other activities other than Category 1.

The above information has been confirmed. The definitions of the first type of activities and the second type of activities by the above insurance companies are almost the same. But if you still want to confirm the coverage again, you can go back to the above to see the official information of the insurance company you want!

2. If the activities you want to carry out span the first and second categories of activities, which type of activity plan should you choose to insure?
If the water activities you go out for include Category 1 and Category 2 activities, for example, when you go to Xiaoliuqiu and plan to play scuba (Category 1) and stand-up paddling (Category 2), you need to insure Category 1 Only the plan for such activities can protect these two types of activities at the same time.

3. Why is the premium for the first type of activity always more expensive than the second type of activity?
For the above-mentioned insurance companies, under the same insurance amount, the premiums for the first type of activities are usually higher than those for the second type of activities. The higher the probability of accidents in a certain type of activity, the higher the risk. When the insurance company determines the premium, the relative The premiums for such activities will be increased.

4. The above insurance companies have insurance restrictions for emergency rescue insurance for maritime activities:
You must purchase marine death and disability insurance and marine medical insurance (pay-as-you-go type) before you can choose to add marine emergency rescue expenses.
Continuing with the above question, you can freely choose whether to increase the insurance for emergency rescue expenses in the sea.