Does travel insurance cover activities such as such as water sports, winter-sports or others such as bungee-jumping, indoor climbing, or going on a hot air balloon?

Going on an adventure-filled and action-packed holiday? Bought your travel insurance and you are all good to go?

Not quite.

Travel insurance policies typically come with exclusions stating that they do not cover "dangerous activities" such as bungee jumping and water sports. So what can you do if you plan to engage in exciting activities such as such as water sports, winter-sports or others such as bungee-jumping, indoor climbing, or going on a hot air balloon?

Here's what Allianz suggests:

"Individuals who are planning for an adventurous or action-packed holidays such as water sports, winter-sports or others such as bungee-jumping, indoor climbing, or going on a hot air balloon can be covered as well with an additional premium paid which also provides some coverage to sporting equipments."

More travel insurance tips and points to note from Allianz:

Should I buy endowment insurance plans?

Wondering whether you should buy endowment insurance plan from your insurance adviser or agent?

First of all, remember, always know what are the different types of insurance products available and what purposes they serve. 

(See: What are the different types of insurance products available in Singapore?

I am looking to buy insurance in Singapore. What are the factors I need to consider?)

An endowment insurance product serves primarily as a savings and wealth accumulation vehicle. While it usually comes with some sum assured and insurance protection, they are relatively low for the same premiums paid compared to whole life insurance or term insurance products. 

Singaporeans Grossly Underinsured

How much insurance cover is enough and how do you determine the right amount of insurance to buy?
You may want to check out 
How much insurance coverage and sum assured is enough? 
to determine the magic figure.


You may also want to check out how and with what products can you work towards sufficient cover for yourself.
What are the different types of insurance products available in Singapore?




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Studies show Singaporeans grossly underinsured - by Jo-ann Huang as read on channelnewsasia.com

SINGAPORE: Insurance is all about protecting against the unforeseen but studies have shown that Singaporeans are 11 times underinsured.

I am looking to buy insurance in Singapore. What are the factors I need to consider?

What to consider when you want to buy life insurance in Singapore?


As you are shopping around for insurance quotes and insurance companies, these are a few basic factors you need to consider before you make any decision.


How much life insurance cover do you need?
You can refer to a related post to find out just how much cover and sum assured is enough. The calculations to determine the insurance cover needed include financial obligations, financial support, financial gift and replacement of income.


How long do you need the insurance for?
Knowing how long you need the protection of insurance for will play a part in knowing what types of life insurance products may be suitable. Do you need the insurance cover for a specific number of years only such as for a specific loan payment period or do you prefer the insurance protection for the whole of your life?


What is your budget for insurance premiums?
Knowing how much sum assured and how long you need the coverage for is one thing but your ability to pay the insurance premiums also need to be considered. For example, if you require a specific sum assured but your budget is limited, you may need to buy a term life insurance policy to get the required insurance cover even if you may prefer a insurance policy that can accumulate cash values.


What types of insurance policies should you buy?
Every plan has its pros and cons, find out more about the four main types of life insurance products in Singapore before you make a decision to see which is suitable to your financial needs and wants. The four main types of insurance policies are whole-life, term life, endowment and investment-linked.

Back to Singapore Insurance Planning FAQs

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