High-Risk Sports Insurance in China: What Foreigners Need to Know

"Dreaming of skiing in Yabuli, diving in Sanya, or paragliding in Yangshuo? China offers thrilling adventures – but accidents can happen. Without proper insurance, a single injury could turn your trip into a nightmare."

At MedTourChina, we protect thrill-seekers with tailored high-risk sports insurance. Here’s everything you need to know.

Section 1: What Are High-Risk Sports?

High-risk sports involve activities that require specialized skills, professional training, or protective gear to minimize injury. These sports carry a higher chance of accidents compared to regular activities.

Covered Activities (Bullet Points)

- 🏂 Snow & Ice Sports: Skiing (within designated slopes), ice climbing, snowboarding

- 🪂 Air Adventures: Paragliding, skydiving, hot air ballooning

- 🧗 Mountain Sports: Rock climbing, mountaineering, canyon swinging

- 🤼 Combat Sports: Martial arts competitions, wrestling, boxing

- 🏇 Extreme Speed: Horse racing, karting, motorsports

- 🌊 Water Adventures: Scuba diving (certified depths), white-water rafting

Excluded Activities:

- Skiing/Snowboarding (outside official slopes)

- Unsupervised "freestyle" stunts without licensed operators and safety measures

Section 2: Why Do You Need Specialized Insurance?

A foreign tourist fractured his leg while skiing off-piste in Heilongjiang. His standard travel insurance refused coverage because he violated policy terms. He paid $8,000 USD out of pocket.

Key Reasons to Choose High-Risk Sports Insurance:

1. Standard Policies Won’t Cover You

- Most travel insurance excludes injuries from extreme sports.

2. 24/7 Emergency Support

- MedTourChina connects you to certified rescue teams in remote areas (e.g., Tibet, Xinjiang).

3. Legal & Language Assistance

- Get help with police reports, medical translations, and claims.

Section 3: How MedTourChina’s Insurance Works

Step-by-Step Coverage:

1. Pre-Trip Preparation

- Confirm your activity list with our advisors.

- Receive a digital policy in 2 languages (English and Chinese)

2. Emergency Response

- Call our 24/7 hotline for immediate rescue coordination.

3. Claims Made Easy

- Submit documents via Wechat/Whatsapp/Email – average processing: 3-5 days.

What’s Covered?

- 🏥 Emergency medical bills (up to $70,000 USD)

- 🚁 Ambulance/rescue costs

- 💼 Trip interruption refunds

- ⚖️ Liability for third-party injuries

Section 4: FAQs

Q1: I’m a certified diver. Does insurance cover deep-sea diving?

Yes! If you follow PADI/SSI guidelines and use authorized operators.

Q2: What if I need surgery in a rural area?

We’ll transfer you to our partnered international hospitals in Beijing/Shanghai.

Q3: How much does it cost?

From $5/day – cheaper than a hospital stay!