I have contacted the specific job of mountain climbing insurance three times and talked about the current situation for your reference.
Happening:
First of all, the "exclusion liability that belongs to the insurance company" is inaccurate. It should be an exclusion liability that belongs to the general accident insurance of insurance companies, otherwise there would be no high-altitude climbing insurance at all.
Alpine climbing insurance is generally designed for a particular event. There are many things that an insurance company considers. The key is two things:
1. This market is too small to have economies of scale;
2. Whether or not the organization of the activities is standardized determines whether the insurance company is willing to handle this special individual business.
There are some other considerations, but the above is the premise.
Case:
A. "2001 Yuzhu Peak Mountaineering Festival"
Each participant’s premium is ¥200. A group insurance association and a local branch of an insurance company apply for group insurance. As the flag bearer suffered from brain edema and accidental medical expenses occurred, during the treatment of Golmud with the flag bearer, I asked the Provincial Association to ask for an insurance contract, which was unsuccessful. Then he went to the insurance company and immediately got a fax. As a result, he found that the insurance design and premium had problems. After negotiating, he eventually paid medical expenses (more than 1,000) after four months.
This is a non-standard case. If the insurance company insists on the contract, it is impossible to compensate. Among them, the tendency to cure people is relatively strong.
B. "2001 Chinese Muztagag climbing"
I participated in most of the early negotiations of insurance. The insurance company has inspected the organization plan of the activity, the level of the organizer and past records, the ability of the participants, etc. After accounting, it has specially designed a group of accident insurance plans. Simply put, the coverage of a mountain climbing insurance is: ¥200,000 for death and ¥20,000 for medical care. There is no search, rescue cost item. The premium is ¥588.00. One person per person is restricted, and entrepreneurs or celebrities may specially apply for more purchases, but no more than three per person.
This negotiation, with the support of the organizers and insurance companies, was more detailed and smooth.
C. “Climbing the Three Peaks of Siguniang Mountain in May 2002â€
Before the trip, I contacted the insurance company and learned that the rate of the Almighty Insurance had just been adjusted. The daily rate was raised from 1.1 per cent to 1.4 per cent, which was more than ten times. In other words, if the climbing cycle is 70 days, the premium and the amount of insurance are equal. After hard work, it only dropped to 1.1%. After consultation, everyone decided not to buy insurance this time. Previously, they climbed Ning Feng at 8000m, but also gave up buying insurance because of sudden increase in pre-departure rates.
As a result, we later went to Big Snow Pond. This is what happened.
Outlook:
With the increasing marketization of the insurance industry and the increase in outdoor populations for mountaineering, special insurance like alpine climbing insurance will be more standardized.
The fact that there are too few domestic climbing statistics available for insurance companies is not sufficient as an effective basis. This year, with the frequent accidents this year, the days of successfully handling mountain climbing insurance should be a long time behind.
Supplement an ice climbing insurance case
In early 2002, Shenzhen team participated in the national team's winter training
The team has participated in the training of 27 mountaineers in Shenzhen and 2 in Hong Kong Shanyou. On the basis of voluntariness, the people on the street, the sham, the sham, the clouds, the egele, the mountainous, the galleries, He Yulong, the natural, the Ulan Mullen, the happy, the Qing dynasty, the Qing dynasty, the Chanel, the Binger, the Ma Ji Amee, Lao Sun, Dust Heart, Pointer, Yatyat, Yao, Shirohio and other 21 people purchased a group accident insurance, which was issued by the Mountaineering Club to the insurance company. The purchase was a “life insurance accident accident insurance for China Life Insurance Groupâ€. ".
Personal accidental injury, premium 80, insurance amount 200,000; accidental injury medical care, premium 20, insurance amount 20,000. The insurance contract uses a documented model.
According to the model's practice, one of the “responsibility exemptions†includes: the insured person engages in high-risk sports such as diving, parachuting, rock climbing, adventure activities, martial arts competitions, wrestling competitions, special performances, horse racing, and racing.
To this end, we require the insurance company to state in the “special agreement†on the first page of the original policy: Insurance area: Sihetang, Miyun County, Huairou County National Mountain Base. Participate in the ice climbing training organized by the national mountaineering team. Ice climbing is within the insurance responsibility.
This is a case of using existing insurance to purchase insurance for specific activities.
This article is personal opinion, not for reprint and citation
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