从北方的专业雪场到南方的室内冰馆，从亲子冰雪体验到专业赛事参与，冰雪运动正从小众爱好走向全 民健身。随着冰雪季来临，各地滑雪场、冰上运动中心迎来客流高峰。然而，"雪道尽头是骨科"的调侃 背后，是冰雪运动潜藏的安全风险。 不少消费者疑惑，自己家庭已经为自己配置了普通意外险，还有必要再单独买保险吗？上海市海华永泰 律师事务所高级合伙人、律师孙宇昊提示，滑雪属于高风险运动范畴，一般的意外险通常是保障日常风 险，大多将高风险运动列入免责条款。一般的意外险都有责任免除，诸如滑雪、滑冰、潜水、跳伞等运 动都属于高风险运动，在一般意外险的责任免除范畴之内，如果消费者购买此类意外险，后续因滑雪、 滑冰等造成的意外伤害，无法得到赔付。 随着冰雪运动参与人数的激增，保险需求随之暴涨，相关产品也持续丰富。根据冰雪运动事故涉及的责 任主体不同，目前市场主要保险种类包括场所公众责任保险、组织者责任保险、滑雪意外伤害保险、滑 雪赛事保险等多个险种。 这些产品中，哪些产品涵盖普通"玩家"的冰雪运动？主要是包含冰雪项目的意外险产品，如滑雪意外 险、包含冰雪运动的运动意外险、冰雪旅行险等。这些产品能直接保障个人在冰雪运动过程中发生意外 的医疗 ...

Core Viewpoint - The popularity of ice and snow sports is increasing, leading to a surge in participation and a corresponding rise in the demand for specialized insurance products to mitigate risks associated with these high-risk activities [1][3]. Group 1: Market Trends - Ice and snow sports are transitioning from niche activities to mainstream fitness options, with ski resorts and ice sports centers experiencing peak visitor numbers during the winter season [1][3]. - The demand for insurance products related to ice and snow sports is growing rapidly due to the increase in participants, leading to a diversification of available insurance options [3][4]. Group 2: Insurance Products - The main types of insurance available in the market include public liability insurance, organizer liability insurance, ski accident insurance, and ski event insurance, catering to different responsibility subjects involved in ice and snow sports [3][4]. - Insurance products specifically designed for ice and snow activities typically cover medical expenses, disability, and other losses incurred during these sports, with coverage amounts ranging from 100,000 to 500,000 yuan [4]. Group 3: Choosing the Right Insurance - Consumers are advised to select insurance products based on their skill level; beginners may opt for short-term ski accident insurance, while experienced skiers should consider comprehensive outdoor sports insurance that covers high-risk activities [5][6]. - It is crucial for consumers to read the policy details carefully to ensure that the insurance covers high-risk activities like skiing and to confirm the geographical coverage of the policy, as some products may only cover officially licensed ski resorts [6].