Are mountain or high-altitude outdoor activities covered by accident insurance in Luoyang?

[Direct conclusion] 【Henan mountains (Laojun, Yuntai, Songshan) are low-altitude, not plateau; regular accident usually covers normal hiking trails; but 'high-risk sports' (rock climbing, rafting, skiing, wilderness crossing) are mostly excluded — need a high-risk-inclusive special accident policy.】 Coverage: , subject to the policy Four actions: ◆ Read exclusions: are high-risk sports excluded. Key points to keep in mind: 1. ◆ Rafting/ski plan: buy high-risk-inclusive special. 2. ◆ Cable also covered: scenic cabins usually insured transport. 3. ◆ Disclose itinerary: let insurer decide surcharge or special. 4. Henan mountains aren't extreme, but 'high-risk items' still need clause check. Note: Travel insurance is a supplement, not a substitute for a health check. Junwei International Travel Agency (License No. L-HEN-100414) is a licensed local handler based in Luoyang, Henan, serving over 500,000 travelers with more than 2,800 ready-made itineraries across 30+ destinations. Call 130 1764 8055 for a detailed itinerary and quotation.