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MBA-FRANK
Feb 29, 2012, 12:18 AM
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Re: [Jon26] IHI Bupa stopped covering base jumping.
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Jon, what is the name of your insurance company? I'm going to the USA in September and want to be insured for BASE. Cheers.
(This post was edited by MBA-FRANK on Feb 29, 2012, 12:22 AM)
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BigfcknG
Feb 29, 2012, 2:00 PM
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Re: [MBA-FRANK] IHI Bupa stopped covering base jumping.
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https://www.hccmis.com/atlastravel
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Jon26
Mar 6, 2012, 2:10 AM
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Re: [MBA-FRANK] IHI Bupa stopped covering base jumping.
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Hey Frank,
Sorry, i wasn't clear. Yes, it was the hcc/atlas travel company i went with (The link above).
My post was in reply to Svin but it wasn't very clear.
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MBA-FRANK
Mar 6, 2012, 11:51 AM
Post #54 of 102
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Re: [BigfcknG] IHI Bupa stopped covering base jumping.
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Thanks BigfcknG and Jon26. Good site.
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flikit
Mar 6, 2012, 7:15 PM
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Re: [BigfcknG] IHI Bupa stopped covering base jumping.
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Reading the website benefits page over a few times.... it does sound Ok for coverage for BASE however... as long as your not doing BASE with a club or for $$ or as they wrote " reward" ....so...if you are jumping at Kjerag..isn't Kjerag considered a club?
cant they fuck you for that?
Legally,I know this shit all boils down to wording and so I'm just asking.
Also, if I'm reading this correctly...basically, as long as your doing BASE on your own...you're Ok...but, if you on a tour or in a comp such as KL or Pro BASE tour..or WBR...isn't that competition and...doesn't it have the possibility for reward as in trophy or $$...doesn't that make you in eligible?
Is anyone else reading this the same way?
Again, I'm not saying this wont cover BASE, I just think
...they could possibly fuck you if you're tied into any of the tours or comps or.. "clubs" ?
Any one else with a thought on this?
Here is the EXACT wording from the website...
.........
In consideration of additional Premium paid OTHER EXCLUSIONS, #28 is deleted in its entirety and replaced with the
following:
28. Injury resulting from participation in intercollegiate, interscholastic, intramural, club, and professional sports or athletic
activities; and
For purposes of this Exclusion, the term “Professional” means an activity undertaken for wage, reward or profit.
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MBA-PATTO
Mar 6, 2012, 7:40 PM
Post #56 of 102
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Re: [flikit] IHI Bupa stopped covering base jumping.
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Hey mate,
I have also been really trying to figure it out , as its all a bit in the grey area in regards to the way they word stuff..
I would imagine alot of people will be thinking there covered when in fact they maybe are not.?
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MBA-FRANK
Mar 7, 2012, 11:20 AM
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Re: [MBA-PATTO] IHI Bupa stopped covering base jumping.
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It is confusing to me too. I asked them and received this back:
Thank you for considering HCC Medical Insurance Services to provide your international medical coverage. With a sports rider attached to your Atlas policy, you can have coverage for injuries related to extreme sports, such as base jumping, as long as you’re legally doing the activity and you’re not receiving any wage, reward, or profit from the activity. The Accidental Death and Dismemberment provision is deleted during participation in sport activities.
After another question about the "accidental death and...deleted during participation in sport activities" I received this:
If you were to die or have a dismemberment during the base jump there would be no compensation for the death ( $25,000 ) or for the loss of limbs ( $12,500 - $25,000 ). It would cover you for medical expenses related to injuries.
So that clears it up for me. I might go with this company, I might not. For now I'm still looking around.
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dride
Mar 7, 2012, 12:16 PM
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Re: [MBA-FRANK] IHI Bupa stopped covering base jumping.
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Per this that was quoted to you: "as long as you’re legally doing the activity".........
If you're taking a USA base trip be ready to jump stuff illegally. Obviously there are sites that are legal to jump, but not many.....nothing like Europe. Just somethin' to keep in mind.
I hate stupid fuckin' insurances companies, especially in sue happy USA 
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wwarped
Moderator
Mar 7, 2012, 12:27 PM
Post #59 of 102
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Re: [MBA-FRANK] IHI Bupa stopped covering base jumping.
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typically, a lot will depend on the laws of the country that governs the insurance. I'm betting Kiwi, British, and US interpretations differ, and legal definitions of words vary.
but practically speaking, does anyone have a better option?
the key, as always, is to NOT need it. companies tend to stop offering a product when they can't make money...
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MBA-PATTO
Mar 8, 2012, 8:25 PM
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Re: [wwarped] IHI Bupa stopped covering base jumping.
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Hey guys,
Just got them to send me there stuff forms etc,
Looks like for the extra 20 percent they will sponsor for base but only for an injury and only up to a maximum of 10-15 grand... so thats very minor but atleast its something..
If you take the sports rider you wipe all accidental death payments,
and will no be covered for death just if you have any injuries totally to 15 grand... which i am sure would be about a broken leg..!!!
correct me if i am wrong???
(This post was edited by MBA-PATTO on Mar 8, 2012, 8:33 PM)
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flikit
Mar 9, 2012, 10:23 AM
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Re: [MBA-PATTO] IHI Bupa stopped covering base jumping.
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The benefit amount offered with this company (http://www.worldnomads.com/travel-insurance/ )
is not as high as I've found with other companies but there is no bull shit with the wording.
If you grab the "Explorer" option (they only offer two options) they cover our shit, plain and simple.
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MBA-PATTO
Mar 9, 2012, 1:46 PM
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Re: [flikit] IHI Bupa stopped covering base jumping.
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Hey mate,
Can you point me in the direction at what your looking at
all i see on this page is
http://www.worldnomads.com/...ravel-insurance.aspx
At the start of page you have to put in your nationality and then it shows up basejumping is not covered!!!!!
Arr just checked australian, and it comes with a different page not covered for australians base jumping,,
but when i click i am from america it says you are covered and when i click united kingdom You are not covered..
so it seems this will work for americans.. but not Uk or Aussies..
(This post was edited by MBA-PATTO on Mar 9, 2012, 1:49 PM)
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MBA-FRANK
Mar 9, 2012, 1:50 PM
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Re: [MBA-PATTO] IHI Bupa stopped covering base jumping.
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Hi Patto and all: I asked about the maximum of 10 - 15 grand. I didn't think that was correct. This is the reply:
The maximum policy limit for injuries under this Rider is the Overall Maximum Limit you select. If you were to incur and injury during your jump and your policies Overall Maximum Limit was $100,000 , then you would have up to that limit to cover the medical expenses. Medical expenses in the US are significantly higher than in most countries, however we do have a PPO network that we have pre-negotiated rates with, that can lessen expenses for ER and physician visits. You can search our vast network of providers with the following link: WEB PROVIDER SEARCH:http://www.hccmis.com/find-a-doctor/ You can narrow the US search by Zip Code.
So it seems pretty good to me. You're right about no payout for death (or dismemberment) with the sports rider though, but I'm surprised that any company covers BASE jumping at all 
Edit: ...and you can select more coverage e.g. $500,000 or $1,000,000 for minimal extra premium.
(This post was edited by MBA-FRANK on Mar 9, 2012, 1:59 PM)
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yuri_base
Mar 9, 2012, 2:12 PM
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Re: [MBA-PATTO] IHI Bupa stopped covering base jumping.
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See post #38 - they stopped coverage for countries other than US on Feb 1. But IIRC when I was looking at this on the night of Jan 31, there was no coverage for BASE for residents of Australia before that, either.
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BrandiP
Mar 20, 2012, 7:42 AM
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Re: [MBA-FRANK] IHI Bupa stopped covering base jumping.
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MBA-FRANK wrote: Hi Patto and all: I asked about the maximum of 10 - 15 grand. I didn't think that was correct. This is the reply: The maximum policy limit for injuries under this Rider is the Overall Maximum Limit you select. If you were to incur and injury during your jump and your policies Overall Maximum Limit was $100,000 , then you would have up to that limit to cover the medical expenses. Medical expenses in the US are significantly higher than in most countries, however we do have a PPO network that we have pre-negotiated rates with, that can lessen expenses for ER and physician visits. You can search our vast network of providers with the following link: WEB PROVIDER SEARCH:http://www.hccmis.com/find-a-doctor/ You can narrow the US search by Zip Code. So it seems pretty good to me. You're right about no payout for death (or dismemberment) with the sports rider though, but I'm surprised that any company covers BASE jumping at all Edit: ...and you can select more coverage e.g. $500,000 or $1,000,000 for minimal extra premium.
Hi All! Lots of insurance chatter on here lately; I wanted to stop back by and offer clarifications for anyone in need in regards to our Atlas policy that can include "thrill seeking activities" (including BASE) with the inclusion of the "Sports Rider" -- we have gotten a decent influx of policies purchased for BASE jumping and everything is "so far, so good." I've noticed a few people asking about the exclusion for "Professional" sports coverage, even if the "Rider" is included. Our definition of Professional is "an activity undertaken for wage, reward or profit" -- so, as long as you are not competing for wage, reward or profit you will be good to go. Also in regards to "illegal jumping" our exclusion for illegal activities reads as such: "Charges resulting from or occurring during the commission of a violation of law by the Member, including without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations." So --- abide by the local laws; it's as simple as that.  You are all welcome to email me for further information at bpeyton [at] hccmis [dot] com. Cheers!
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BrandiP
Mar 20, 2012, 7:53 AM
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Re: [GreenMachine] BrandiP da Insurance Agent RE: quick quote
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If we cover you to $1,000,000 maximum with $0 deductible (i.e. nothing out of pocket owed for treatment), the total cost for 17 days for a 30-39 year old person would come to $39.58.
You can use this link to quote/purchase: https://www.hccmis.com/atlastravel/?referid=9800575F&language=en-US
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MBA-FRANK
Mar 20, 2012, 2:47 PM
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Re: [BrandiP] IHI Bupa stopped covering base jumping.
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In reply to: Hi All! Lots of insurance chatter on here lately; I wanted to stop back by and offer clarifications for anyone in need in regards to our Atlas policy that can include "thrill seeking activities" (including BASE) with the inclusion of the "Sports Rider" -- we have gotten a decent influx of policies purchased for BASE jumping and everything is "so far, so good." I've noticed a few people asking about the exclusion for "Professional" sports coverage, even if the "Rider" is included. Our definition of Professional is "an activity undertaken for wage, reward or profit" -- so, as long as you are not competing for wage, reward or profit you will be good to go. Also in regards to "illegal jumping" our exclusion for illegal activities reads as such: "Charges resulting from or occurring during the commission of a violation of law by the Member, including without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations." So --- abide by the local laws; it's as simple as that. You are all welcome to email me for further information at bpeyton [at] hccmis [dot] com. Cheers!
Hello BrandiP. Thanks for that. Another question: Will the added Sports Rider cover medical expenses for people COMPETING in their sports, be they BASE or skyjumping? This is assuming they are NOT doing it illegally or for salary, wages, reward, profit, etc.
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BrandiP
Mar 21, 2012, 8:59 AM
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Re: [MBA-FRANK] IHI Bupa stopped covering base jumping.
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Hi Frank!  Once the "Sports Rider" is included in coverage, our "Sports Exclusion" on the policy is replaced with the following wording: "Injury resulting from participation in intercollegiate, interscholastic, intramural, club and professional sports or athletic activities." Further, we define "Professional" as any activity undertaken for wage, reward or profit.
I am working on getting a definition of "club" for your inquiry, as well, as I am aware there are a few BASE clubs around but I am unsure yet how we actually define that (my assumption is that we only exclude registered and official clubs -- not social clubs with a bunch of like-minded folks who are hanging out and happen to go on a jump). I will update as soon as I get a response from my claims department.
Cheers,
Brandi
EDIT: as long as your jump does not merit the chance for wage, reward or profit you will be good to go. If you are in any sort of competition offering an official wage, reward or profit, injuries from that particular jump cannot be covered. If you're "competing" against your buddy and the loser buys the first round of beer, this is not considered wage/reward/profit. One more edit to come, once I clarify "club".....
EDIT: "With the current contract, the only thing excluded would be professional sports or athletic activities." this is the response I received from my claims manager in regards to the "club" listing on the exclusion. So, it looks like all you'd need to avoid is any "Professional" affiliations.
(This post was edited by BrandiP on Mar 21, 2012, 9:56 AM)
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Pendragon
Mar 27, 2012, 9:24 AM
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Re: [BrandiP] IHI Bupa stopped covering base jumping.
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I think the two extremes that need to be clarified are:
1. Membership of a club that organises access (eg, Stavanger Base Klubb, or the Swiss BASE Association), whereby membership fees are taken only to maintain access or recoup the cost of services provided
2. Competing in BASE events, such as the World BASE Race (although this looks as if it would be specifically excluded, if I read your previous email correctly)
Thanks for checking.
Out of interest, are you providing cover to non-US/Canadian citizens?
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BigfcknG
Mar 27, 2012, 9:16 PM
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Re: [Pendragon] IHI Bupa stopped covering base jumping.
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I sent an email regarding citizenship, and as an Australian citizen, I am covered. I get the impression you are covered no matter where you are from.
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BrandiP
Mar 29, 2012, 6:03 AM
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Re: [Pendragon] IHI Bupa stopped covering base jumping.
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Sorry for my delay here; I need to set myself a reminder to check on you guys every couple of days -- and if you don't hear from me quickly, feel free to email me at bpeyton@hccmis.com -- I'm happy to answer your questions:
1. As far as "clubs" are concerned, you're okay -- it's only "Professional" (i.e. compensation, prize, wage) that we cannot cover.
2. If you are competing for the possibility of compensation, wage, prize, then we cannot cover for that specific jump. Certainly we can cover for any leisure jumps or even practice jumps outside of the competition.
We will cover citizens from around the world; our only current exclusion is for citizens of Cuba. We also cannot cover Australians seeking coverage in Australia, due to their government restrictions.
Let me know if you have any further questions; I am happy to help you guys!!
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BrandiP
May 7, 2012, 5:47 AM
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Re: [BrandiP] IHI Bupa stopped covering base jumping.
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Hi Everyone! :) I just wanted to let you all know that as of May 1st, our plan includes Sports without having to "opt in" with the Sports Rider -- so you will see on the link that the option to select "Yes" for Sports is no longer. The exclusion for the Accidental Death & Dismemberment portion remains, when in regards to BASE jumping and other sports or thrill-seeking activities....but the plan will now include any medically necessary treatment/diagnostics needed for injuries sustained from BASE jumping and other thrill-seeking activities. If you have any further questions, don't hesitate to ask!
Cheers,
Brandi
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Dadsy
May 10, 2012, 1:25 AM
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Re: [BrandiP] IHI Bupa stopped covering base jumping.
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Hello, how about Australian citizens looking for cover outside of Australia?
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BrandiP
May 10, 2012, 5:11 AM
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Re: [Dadsy] IHI Bupa stopped covering base jumping.
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Due to Australian government restrictions, we are unable to cover those who are currently residing in Australia (even if you are seeking coverage elsewhere). At this time, we can cover only Australians who are not currently residing in Australia.
Feel free to message me for further details.
Cheers,
Brandi
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MBA-PATTO
May 11, 2012, 3:29 AM
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Re: [BrandiP] IHI Bupa stopped covering base jumping.
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So just to understand this as i thought before,
Australians will not be covered base jumping overseas unless the australian resides in another country,meaning they live and work in another country away from australia.. and this is even if they get the sports rider option...
i need to move overseas
(This post was edited by MBA-PATTO on May 11, 2012, 3:35 AM)
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