Practicing Safety

Get Yourself Insured For The Adventure Activities

Bikat Adventures

Last updated: 03-05-2017

Adventure activity insurance is needed for the exact reasons why any insurance is needed in life :). Since all your policies, Life or medical would not hold good during the period of your adventurous travel, you need a specific one for such trips. Why won’t they hold good? Take that 17 -25 page document out from your closets or lockers if you can’t believe and read through the pages of your policy that you probably never bothered to in the past. You will easily see their attitude towards the “hazardous activities like trekking, mountaineering, mountain biking, rock climbing, etc.”

Thus, this dedicated activity insurance is needed to keep you covered when you go out venturing into the thrilling domains. The policy charges very nominal premiums for your cover and offers multiple benefits over and above the basic ones like Death, disability, & hospitalization like OPD expenses, Compassionate visit, Medical evacuation, etc.

Among the benefits tabled below, Medical evacuation is the major revolution. Bikat Adventures maintains the highest levels of safety standards with Advance mountaineering course qualified leaders who are certified in First Aid and Rescue operations, First Aid certified local guides, Extensive Safety equipment kit with ropes, carabiners, descenders, pulleys, Jumar, etc. However, with all this, we can never curtail the risk of natural calamities or situations going beyond control in the wilderness. Thus Religare (the insurer) has a tie up with East West Rescue and they are trying very hard to ensure evacuations start happening seamlessly in India. They have air ambulance & chopper evacuation capabilities but the lag and cost is heavy in India due to regulatory and availability concerns. However, in case the situation arises, then the insurance (with significant Medical Evacuation cover) ensures that money is never a concern for trying out the best possible rescue operation. With our latest update, the insurance also covers the evacuation & Hospitalization expenses on account of Acute Mountain Sickness

*Please note that existing medical conditions, asthma, heart-related condition, and cancer are not covered under this policy. Also, the policy does not cover death due to Acute Mountain Sickness. It covers only evacuation & hospitalization for AMS. You may read the details further in the T & C link here

Benefit Coverage

Plan 1 : Prashar Lake Trek, Triund Trek, Nagtibba Summer Trek

Plan 2 : Kuari Pass Trek, Kedarkantha Trek, Nag Tibba Winter Trek, Beas Kund Trek, Bhrigu Lake Trek, Chandrakhani Pass Trek, Brahmatal Trek, Deoriatal Chandrashila Trek

Plan 3 : Roopkund Trek, Hampta Pass Trek, Har ki Dun Trek, Panwali Kantha Trek, Pangarchulla Peak Trek, Sandakphu Trek

Plan 4 : Rupin Pass Trek, Goecha la Trek, Stok kangri Trek, Kashmir Great Lakes Trek, Vasuki Taal & Meru Glacier Trek, Bali Pass Trek, Manali Chandratal Cycle Expedition

Plan 5 : Manali Leh Cycle Expedition, Pin Parwati Pass Trek, Chadar Trek, Friendship Peak Expedition, Auden's Col Trek, Parang La Trek

Coverage Plan -1 Plan -2 Plan -3 Plan -4 Plan -5
Adventure Sports Injury Covered trekking and Mounting cycling
Geographical Scope India excluding city of residence
Domestic Medical Assistance Cover Cover Cover Cover Cover
Medical Cover (Hospitalization due to illness / injury) 200,000 300,000 400,000 500,000 600,000
For a sudden and unexpected
accident during a trip
and require Hospitalization
         
Repatriation of Mortal Remains 20,000 30,000 40,000 50,000 60,000
Repatriation of the mortal
remains of the Insured Person
back to the City of Residence
or for a local burial or cremation
at the place where Accidental
death has occurred
         
Medical Evacuation (part of Medical SI) 200,000 300,000 400,000 500,000 600,000
Medical Evacuation of the
Insured Person in an Emergency
through an Ambulance or
any other transportation and
evacuation services Injury
sustained by the Insured Person
         
Trip Cancellation and Interruption 7,000 10,500 14,000 17,500 21,000
Indemnify for the financial loss
(ticket cancellation charges / direct route economy
class airfare) incurred by the Insured
Person arising out of cancellation of the Trip
         
Personal Accident (Death) 300,000 300,000 300,000 300,000 300,000
Death or Permanent Total
Disablement of the Insured Person
within twelve months from
the date of occurrence of an
Injury solely and directly due
to an Accident occurring during the
Period of Insurance which does not include cases arising out of AMS
         
Compassionate Visit 7,500 7,500 7,500 7,500 7,500
Cost incurred by the Insured
for the actual cost of a return
(two-way) direct route economy
class airfare from the City of
Residence of an Immediate Family
Member to the place of Hospitalization
where Insured Person is hospitalized
for Emergency Care of any Injury.
         
Daily Allowance (500 per day excess of 2 days) 5,000 5,000 5,000 5,000 5,000
Continuous and completed day
of Hospitalization for a maximum specific
duration as chosen by the
Policyholder if the Injury suffered
by the Insured Person requires Hospitalization
         
Parent Accommodation 10,000 10,000 10,000 10,000 10,000
The actual Cost incurred by
the Insured parents for accommodation
in hospital where Insured Person
(less than 12 years) is hospitalized for
Emergency Care of any Injury
         
OPD Cover in case of Injury 5,000 5,000 5,000 5,000 5,000
For a sudden and unexpected accident
during a trip and require OPD treatment
         

Bikat Adventures

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