How and where to buy ski insurance?

Ski insurance is a kind of comprehensive accident insurance. Common accident insurance will exclude high-risk sports such as skiing and skating, but there are also accident insurances that specifically extend such responsibilities, and skiing insurance is one of them.

when choosing skiing insurance, you must first confirm that this product can cover skiing. If it is a product sold online, you can generally see this kind of information on the product page, and some may be put in the contract terms such as Insurance Clause and Special Agreement, so you should read it carefully when choosing.

after confirming that skiing can be protected, it depends on whether the insurance liability can protect the common accidental risks of skiing. For example, the most common accidental fractures, falls, etc. of novices should be covered by insurance liabilities such as hospitalization expenses and operation expenses.

For example, some snow resorts are not in the urban area, and when they are seriously injured and need to be urgently transferred to a better hospital for treatment, they may need to use advanced or professional means of transportation, and it is best to cover this transfer fee insurance.

Another example is that there are many people in the middle and low-level roads, and if you accidentally bump into others, you will be compensated for other people's medical expenses and lost time, and it is best to pay for insurance.

Therefore, responsibilities such as "compensation for unexpected medical expenses", "accidental hospitalization allowance", "emergency medical transportation and repatriation" and "personal responsibility" in the following product should be standard.

after the insurance liability is confirmed, the higher the coverage, the better. However, the insured amount is directly proportional to the premium, so you can choose the insured amount according to your actual situation.

finally, choose the insurance period, which is the period when insurance is effective. For the average person, skiing is a very seasonal sport. Accordingly, the insurance period of skiing insurance is generally not very long, ranging from a few days to a year at the longest. When you apply for insurance, you can choose according to your own situation. However, it should be noted that some products will take effect the next day after being insured (the "excellent ice and snow insurance" above is), and some products will take effect on the nth day after being insured successfully, and the insurance accidents that occurred before taking effect will not be compensated. When you are insured, you must see the effective time clearly, plan ahead and insure in advance.

The insurance form of ski insurance is relatively simple, and you can APPly for it on your mobile phone. The above "Ice and Snow Youyou Insurance" is on the "People's Insurance Company of China" app, so you can pay more attention to the self-operated platforms (APP, WeChat, official website, etc.) of insurance companies.