Adventure / Hazardous Sports
What it means, and what it does to a claim.
Sport or activity involving physical exertion and skill — rock climbing, rafting, motor racing, scuba diving, sky diving and similar. It applies whether you do it for entertainment or professionally.
Why it matters
Injuries from these are excluded by most health and term policies, and the list is broader than people assume. Trekking at altitude and recreational diving on holiday can qualify. If you do any of it regularly, tell the insurer at proposal: an exclusion you knew about is survivable, a declined claim after an accident is not.
The legal definition
Adventure / Hazardous Sports means any sport or activity involving physical exertion and skill including but not limited to, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving, in which an Insured Person participates or competes for entertainment or as part of his profession whether he / she is trained or not.
Quoted verbatim from an IRDAI-filed policy wording. Definitions are standardised across insurers, but the limits attached to them are not — always read your own policy schedule.
Related terms
- Disclosure of information norm — The clause stating that the policy is void, and premiums forfeited, if information was misrepresented, mis-described or withheld.
- Emergency Care — Treatment for something that came on suddenly and needs immediate attention to prevent death or lasting harm.
- Material Facts — Anything an insurer would want to know when deciding whether to cover you and on what terms — your medical history, habits, occupation and existing policies.
- Injury — Accidental bodily harm caused by external, violent and visible means, certified by a doctor.
Disclaimer: Figures shown here are compiled from IRDAI annual reports and public grievance disclosures, and from insurer public disclosures and policy wordings. Claim settlement ratios and complaint volumes are three-year averages for FY 2024–26. Premiums are indicative illustrations for the stated profile, not quotes — your actual premium depends on your age, health, city, habits and underwriting. Scores are Myinsurancebro's own assessment. Always read the official policy document and speak to an advisor before buying. Myinsurancebro is an IRDAI-licensed insurance advisor — we do not manufacture or underwrite any insurance product.