七星山挑战赛带火荒野求生，意外险怎么买不踩坑？

Core Viewpoint - The wilderness survival challenge in Zhangjiajie, Hunan, has gained significant online attention, attracting survival enthusiasts who engage in primitive survival activities, highlighting the importance of safety measures and insurance in such high-risk activities [1][3]. Group 1: Event Overview - The wilderness survival challenge at Qixing Mountain has become a viral sensation, with participants using basic tools to build shelters, purify water, and find food, resembling a real-life version of "PlayerUnknown's Battlegrounds" [3]. - Many social media users are replicating the wilderness survival experience, sharing photos of their own outdoor adventures, while some organizations are also launching similar survival competitions with substantial prize money [3]. Group 2: Safety Concerns - Despite the excitement surrounding these activities, there are significant safety risks involved, as evidenced by the China Adventure Association's report indicating 335 outdoor adventure accidents in 2024, resulting in 84 deaths and 92 injuries [3]. - Legal experts emphasize that safety in wilderness survival relies not only on the organizers' plans but also on participants' proactive risk management, including the necessity of insurance as part of their survival gear [3]. Group 3: Insurance Guidance - For those participating in wilderness survival events, accident insurance is essential, but not all policies cover high-risk activities, necessitating careful review of insurance terms and exclusions [4]. - Different outdoor activities carry varying risk levels, and high-risk activities like mountaineering or desert crossing typically require specialized insurance [4]. - Proper insurance purchasing practices include ensuring coverage aligns with the activity duration, using reputable insurance platforms, and maintaining adequate coverage amounts, with recommendations of at least 500,000 to 1,000,000 yuan for adult life insurance [4].