"Comprehensive mountaineering insurance" is mostly referred to as "mountaineering insurance". Point 1 of this article: It is a type of insurance related to travel insurance, but it is not the same as travel insurance. We can understand this from the protection items. 2: Due to the issuance of autonomous regulations for the management of mountaineering activities in various counties and cities (hereinafter referred to as the Mountaineering Autonomous Regulations), the importance of mountaineering insurance has greatly increased. This article will take you through the coverage of mountaineering insurance, compare mountaineering insurance from multiple insurance companies, and explain to you why regulations make mountaineering insurance necessary for people who want to enter mountainous areas.
Do you think it’s enough to protect your travels while mountaineering? Travel Insurance actually has no way to deal with these situations.
If I already have Travel Insurance (hereinafter referred to as Travel Insurance), do I still need mountain insurance?
For insurance companies, if the probability of the insured being involved in an accident is too high, the insurance company is likely to deny the other party insurance. Since mountaineering is a relatively dangerous activity, before mountaineering insurance goes on sale, if you want to buy travel insurance for mountaineering, there is a high chance that your insurance will be rejected by the insurance company.
However, in addition to mountaineering accidents such as landslides and slipping, we may also suffer symptoms such as hypothermia, heatstroke, and altitude sickness when climbing. However, are these caused by "accidents" or "diseases"? Symptoms often lead to cognitive inconsistencies in judgment, which can lead to claims disputes between policyholders and insurance companies. Continuing from the previous paragraph, if you purchase mountaineering insurance before mountain climbing, you can avoid the claims dispute just mentioned, and at the same time make up for the scope that is not covered by travel insurance.
Are there penalties for not having mountaineering insurance? Comprehensive mountaineering insurance is required for mountaineering in these 5 counties and cities.
In view of the frequent occurrence of mountain disasters, which consume a lot of search and rescue resources, some counties and cities have begun to formulate autonomous regulations for mountaineering activities. Currently, five counties and cities, Taichung, Hualien, Nantou, Pingtung, and Miaoli, have autonomous regulations for the management of mountaineering activities, stipulating that Hikers who go hiking in controlled areas or special controlled areas must purchase comprehensive mountaineering insurance. From the perspective of prevention being better than cure, we hope that the formulation of this regulation can reduce mountain accidents and reduce the consumption of disaster relief manpower. Also, because of the issuance of mountaineering autonomy regulations, the importance of mountaineering insurance has been enhanced.
Why is it said that the issuance of the Mountaineering Autonomy Regulations has increased the importance of mountaineering insurance? This is about the rules of the Mountaineering Autonomy Regulations:
After mountain climbing, no changes to the activity route or scope are allowed
When climbing, you should carry positioning equipment or communication equipment for emergency contact.
The scope of mountaineering activities involves special controlled mountain areas and must be led by a team leader with a rescue certificate.
Comprehensive mountaineering insurance is required for mountaineering
If you violate the provisions of the above-mentioned mountaineering autonomy regulations, for example, you still go into the mountain without insurance, and after dispatching for rescue, if you are found to be uninsured, the person being rescued will be fined, and the search and rescue costs will also have to be paid by yourself; if you have already paid for the search and rescue before climbing, Of course, if you have comprehensive mountaineering insurance, you will not be fined. At the same time, the cost after search and rescue may also be paid by the insurance company.