多地提示划龙舟需配置保险，千年民俗如何系好“安全缆”

Core Viewpoint - The increasing emphasis on insurance for dragon boat racing highlights the risks associated with this traditional activity, prompting local authorities to mandate insurance coverage for participants [3][4]. Group 1: Insurance Requirements - Multiple regions have issued notifications requiring dragon boat participants to obtain personal accident insurance, with specific mandates such as displaying insurance signs on boats [3]. - For instance, the Taiyuan Fenhe Dragon Boat Open requires participants to secure personal accident insurance with a minimum coverage of 600,000 yuan [3]. Group 2: Risks Associated with Dragon Boat Racing - Dragon boat racing, while culturally significant, poses various risks including drowning, capsizing, and collisions, which have led to recent accidents [3][4]. - Additional risks identified include equipment damage, heatstroke, and sunburn, emphasizing the need for adequate safety measures [3]. Group 3: Insurance Coverage Insights - Standard accident insurance may not adequately cover dragon boat racing scenarios, as many policies exclude water racing activities [4]. - Participants are advised to seek specialized sports event insurance or outdoor activity insurance that specifically includes dragon boat racing [4]. Group 4: Recommendations for Participants - It is recommended that participants ensure their insurance coverage is sufficient to address extreme risks and that the policy duration covers the entire event, including training and post-race activities [4]. - Participants should verify that their chosen insurance products include coverage for professional events, as some policies may only apply to amateur activities [4].