Term Insurance for Skydivers

Skydiving is not just a sport, it's a passion that delivers an unmatched adrenaline rush. But with this thrill comes an element of risk that makes financial protection all the more critical. Whether you're skydiving in popular destinations like Skydive Dubai or enjoying the experience elsewhere, having a term insurance plan that accounts for high-risk hobbies can ensure your family's financial security.

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₹1 Crore Life cover starting from ₹478/month⁺

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Term insurance is designed to provide financial security to your loved ones in your absence. Understanding whether activities like skydiving are covered and your options is essential.

Term Plans

₹1
Crore

Life Cover

@ Starting from ₹ 13/day⁺

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day⁺

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day⁺

Why Term Insurance is Important for Skydivers?

Skydiving, by nature, involves a higher level of physical risk compared to everyday life. Regardless of how trained or prepared you are, unforeseen accidents can occur. This makes having a term insurance plan that protects your family's financial future essential.

Here’s why skydivers should consider buying term insurance:

Higher Exposure to Risk: Skydiving involves elevated life risk, making financial protection even more important.
Family’s Financial Security: A term life insurance plan can support your dependents in case of an untimely death in the form of death benefits to your nominees.
Covers Loans and Liabilities: Term insurance payout helps clear home loans, personal loans, or other financial responsibilities if something happens to you.
Peace of Mind: Knowing your loved ones are financially protected allows you to enjoy your passion without worry.
Affordable Coverage: Even with high-risk hobbies, term insurance plans are the most affordable type of life insurance that offer large cover at low premiums with proper disclosures.

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Is Skydiving Covered in Term Insurance Plans?

Skydiving may or may not be covered in term insurance, as the types of deaths covered and not covered in term insurance vary across all insurance companies. Some insurers may offer coverage for adventure sports, while others may have specific exclusions. Such activities often fall under “hazardous hobbies” or “high-risk pursuits” and may be excluded from the standard plan unless explicitly declared and assessed.

Term Insurance Features	What to Know
Skydiving as a Risk Activity	May fall under exclusions or require declaration
Term Insurance Claim Settlement	It may depend on whether skydiving was disclosed at the time of application
Increase in Premiums	Risk-based underwriting may apply, leading to higher premiums
Term Insurance Riders	Some policies may offer optional riders or accidental death covers with conditions

Note: Since insurer policies vary, it is strongly recommended that you check with your insurer or carefully read the policy document to understand whether skydiving is covered or not.

Importance of Full Disclosure in Term Insurance Application

When applying for term insurance, it’s important to be transparent about your lifestyle, especially if you actively engage in activities like skydiving. Whether you're paying for skydiving cost, buying a parachute for personal jumps, or checking skydiving prices, your hobby should be mentioned in your insurance proposal form. Non-disclosure of such hobbies may be one of the reasons why term insurance claim gets rejected. Even if you only skydive occasionally, it’s best to declare it during your application and allow the insurer to assess the risk appropriately.

Key Tips to Get the Right Term Insurance Cover for a Skydiver

Check the Policy Wordings Carefully: Look for terms such as “adventure sports,” “extreme sports,” or “hazardous activities” to understand any exclusions.
Disclose Your Hobby Honestly: Always declare skydiving in your application to avoid issues during claim settlement.
Consult an Insurance Advisor: Speak with an insurance advisor to know which insurers may be open to covering high-risk hobbies.
Request Written Clarification: If coverage is offered for skydiving, ensure you get a formal confirmation in writing.
Compare Multiple Plans: Compare and check various available plans, their features, and term insurance riders that best suit your profile.

Documents Required to Buy Term Insurance for Skydivers

Required Documents	Types of Documents
Identity Proof	Aadhaar, PAN, Passport
Age Proof	Birth Certificate, School Cert.
Address Proof	Utility Bills, Rent Agreement
Income Proof	Salary Slips, ITR, Bank Statements
Skydiving Declaration (if any)	Self-declaration, certificates
Medical Reports	If required during underwriting

Final Thoughts

Whether you're exploring skydivedubai, investing in quality gear like a parachute, or researching skydiving prices, protecting your life with the right term insurance plan is a smart move. Activities involving risk make it even more crucial to safeguard your family’s future. Read the policy terms carefully, disclose your hobby, and consult with experts to ensure your passion doesn’t come at the cost of your loved ones’ financial security.

FAQs

Q: What isn't covered in term life insurance?

Ans: There are several types of deaths covered and not covered in term life insurance. It is suggested that you refer to the policy documents of your specific policy to get a better understanding of the skydiving near me inclusions and exclusions of the term insurance plan.
Q: Can Skydivers buy term life insurance?

Ans: Yes, skydivers can apply for term life insurance in India, but whether the application is approved or not depends on the insurer. It is recommended that you consult with your insurance advisor to understand the insurers that may offer term life insurance and skydiving coverage.
Q: Is death due to skydiving covered in term life insurance?

Ans: Skydiving near me may or may not be covered in term life insurance, depending on your insurer and specific plan’s T&Cs. It is better to read and understand the policy inclusions and exclusions before buying the policy, to avoid term insurance claim rejection later on for your nominee.

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˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

Rs. 400/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 400/month (Rs.13/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 487/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 626/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 905/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs.679/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 910/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,924month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

Women

+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.

1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.

Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited

We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale

Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.

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