"本以为自己买了普通意外险就万事大吉了，结果没想到前几天滑雪意外骨折后，保险公司说这属 于高风险运动，一分钱都没赔。"来自北京的滑雪爱好者庞女士对《金融时报》记者说："原来，滑雪保 险还有这么多门道呢！" 随着雪季来临，越来越多的像庞女士这样的滑雪爱好者参与其中，但不少人都和她一样，对与滑雪 有关的保险存在认知盲区。滑雪保险到底该不该买？怎么买？怎么做才能既不花冤枉钱，又能做好保 障？记者日前就相关话题采访了业内人士。 不少消费者疑惑，雪场门票中已经包含了一份"保险"，还有必要再单独买吗？据悉，滑雪场门票中 包含的保险为基础保险，通常为公众责任险，主要规避因景区管理的过失，导致消费者在游玩过程中受 伤或者产生财产损失。换言之，该保险仅针对滑雪场责任导致的事故，而不覆盖游客自身因滑雪活动造 成的摔伤、碰撞等意外。因此，一份针对消费者个人的滑雪保障是必要的，特别是对滑雪新手而言。 另外，庞女士的疑惑也困扰着不少雪友——为何普通的意外险"防不住"滑雪风险呢？ 记者了解到，有四个关键点。一是相关保险产品必须明确承保高风险运动，条款里要写清楚包含滑 雪相关风险。二是意外保障要充足。简单来说，保额越高，兜底效果越好。业内 ...

来源：金融时报 记者：李丹琳 "本以为自己买了普通意外险就万事大吉了，结果没想到前几天滑雪意外骨折后，保险公司说这属于高 风险运动，一分钱都没赔。"来自北京的滑雪爱好者庞女士对《金融时报》记者说："原来，滑雪保险还 有这么多门道呢！" 随着雪季来临，越来越多的像庞女士这样的滑雪爱好者参与其中，但不少人都和她一样，对与滑雪有关 的保险存在认知盲区。滑雪保险到底该不该买？怎么买？怎么做才能既不花冤枉钱，又能做好保障？记 者日前就相关话题采访了业内人士。 不少消费者疑惑，雪场门票中已经包含了一份"保险"，还有必要再单独买吗？据悉，滑雪场门票中包含 的保险为基础保险，通常为公众责任险，主要规避因景区管理的过失，导致消费者在游玩过程中受伤或 者产生财产损失。换言之，该保险仅针对滑雪场责任导致的事故，而不覆盖游客自身因滑雪活动造成的 摔伤、碰撞等意外。因此，一份针对消费者个人的滑雪保障是必要的，特别是对滑雪新手而言。 另外，庞女士的疑惑也困扰着不少雪友——为何普通的意外险"防不住"滑雪风险呢？ 记者采访了解到，这与保险的分级有关。"保险对风险有着较为严格的分级，像滑雪、潜水、跳伞、攀 岩等属于高风险运动，多数普通综合意外 ...

Core Insights - The insurance industry is innovating products and building ecosystems to stimulate consumer potential, positioning itself as a "stabilizer" and "accelerator" for consumption [1][6] - The implementation of the "Special Action Plan to Boost Consumption" requires the insurance industry to break boundaries and integrate more deeply into the consumption chain [1][10] Group 1: Product Innovation and Market Integration - The insurance sector is showcasing strong momentum in boosting consumption through product innovation and service upgrades, particularly in the cultural and tourism sectors [3][4] - Specific examples include Sunshine Property & Casualty Insurance providing 234 million yuan in ship insurance for the first domestically produced large cruise ship, and Tai Ping Insurance offering targeted risk protection for tourist attractions [3][4] - In the sports industry, Sunshine Property & Casualty Insurance has provided nearly 4 billion yuan in operational insurance for the National Stadium, while Zhong An Insurance has launched specialized ski insurance products to cover high-risk winter sports [4] Group 2: Supporting Consumption through Risk Management - The insurance industry plays a crucial role in supporting the real economy and promoting consumption upgrades through risk management, credit enhancement, and financial support [6][7] - Insurance products like travel accident insurance and food safety liability insurance provide essential risk coverage, enabling consumers to engage in activities with confidence [6][7] Group 3: Challenges and Opportunities - Despite the emergence of innovative products, the insurance industry faces challenges such as insufficient penetration rates in consumption scenarios and barriers to precise pricing due to data silos [9][10] - The industry is expected to see a rise in customized insurance products tailored to specific consumption scenarios, such as shared economy and online education, which will likely lead to explosive growth in scenario-based products [9][10] Group 4: Future Directions - The insurance industry needs to focus on providing more customized products, utilizing technology for risk monitoring, and breaking down data silos to enhance product pricing [10] - The ongoing transformation within the industry is anticipated to significantly contribute to consumption upgrades and economic circulation [10]