Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
A hospital is still going to treat injuries incurred from skydiving and it would likely be considered as emergency care which would be covered.
It would be helpful to look at your health insurance policy to see if there are any exclusions for certain high-risk / hazardous activities. You can also call your health insurance agent or the carrier directly to see what claims the carrier would pay for a given scenario.
Great question! I'd tell you first of all to check your policies' exclusions (what they won't cover) section to be certain, but if you are being treated for terrible things that happen to you if things go wrong, the emergency medical parts are probably covered. You might also want to look at your life insurance policy also, as they tend to have a dim view of skydiving, and may put up a fuss should your chute not have opened, and a claim filed. I hope that helps. Thanks for asking!
Skydiving, BASE jumping, etc., are hazardous activities that have been specifically excluded from any health insurance contract I can recall. Certainly you should check the exclusions and limitations section of your group or individual health insurance contract to verify this but there are commonly exclusions for participating in high risk/hazardous activities in both health and life insurance contracts. You would probably need to purchase a policy from a specialty risk carrier to assure your protection if you engage in these kinds of activities.
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It would be helpful to look at your health insurance policy to see if there are any exclusions for certain high-risk / hazardous activities. You can also call your health insurance agent or the carrier directly to see what claims the carrier would pay for a given scenario.