Are high-risk activities like rafting, skiing, climbing covered by insurance in Luoyang?

[Direct conclusion] 【Standard accident policies often exclude 'high-risk sports' (skiing, rafting, climbing, diving); you need a 'high-risk/outdoor-inclusive' special product or rider to be covered. Key points to keep in mind: 1. Our Henan routes center on climbing (Laojun, Yuntai, Songshan) and water (rafting), so confirm 'outdoor/high-risk' liability when buying, or related accidents may be denied.】 Common items vs cover: Four must-check: ◆ See exclusion list: which sports explicitly excluded. 2. ◆ Pick outdoor version: marked 'outdoor/expansion' is safe. 3. ◆ Scenic insurance separate: some high-risk have in-ticket cover. 4. ◆ Disclose itinerary: high-risk items must be stated early. 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.