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travel; vacation

Most medical expenses are incurred due to accidents or falls. Here is a list of accident-prone activities, and some tips on how you can lessen the risks:

a drawing of a face Doing extreme adventures

As you travel around the world, you will have a never-ending list of extreme adventures to try. However, the excitement of new experiences can lead to overlooking normal safety precautions. There are even instances when experienced travellers fall prey to accidents due to various reasons such as negligence, alcohol, or even drugs.

Aside from ensuring that you are physically and mentally ready for the challenge, it wouldn’t also hurt to do a little research on how to prepare for these extreme adventures. Things such as the types of safety equipment you should be wearing, the safety record and equipment of the provider should not be taken for granted. You might also want to check if your travel insurance covers extreme adventures before signing up.

a drawing of a face Diving

Scuba diving can be very dangerous, but the risks could be lessened if you are properly conditioned and prepared to try this adventure. Studies show that the most significant cause of death during diving is heart disease. So before signing up for this activity, talk to your physician and ask for a medical examination (if necessary) to ensure that you are fit to take the challenge.


Mountaineering has its own share of danger for travellers. The changing weather, the unpredictable terrain, and the thin air are just some of the reasons why you are advised to take the necessary precautions before climbing a mountain. Aside from these causes, accidents such as being pushed over by a passing mule or a yak or falling into crevasses may also happen. To avoid these mishaps, always listen to your body and follow your guides’ instructions. Gear up and be attentive by following sensible safety precautions. Do not fall prey to peer pressure to continue the climb when your body is already under extreme strain.

a drawing of a face Swimming

The risk of drowning is much higher in a swimming pool than in open water. Some of the main factors which increase the risk of drowning include lack of close supervision of kids or weak swimmers while swimming, lack of knowledge and skills in swimming and sometimes even alcohol use. Another tip to keep in mind is to always follow the rules and regulations in the holiday destination. Remember that lifeguards may not be your saviours during accidents. While out at sea, one of the most important ways to avoid drowning is to practice staying afloat in case you are unable to reach land immediately.

a close up of a sign Driving

This is not just for drivers but also for pedestrians and cyclists. Vehicular accidents and cars accidentally hitting pedestrians are the biggest threats for travellers. Remembering to check left and right before crossing will really save your life. Road accidents occur more frequently in developing countries since vehicles in these countries may not have seatbelts or have less than well-maintained breaks. Wearing a seat belt reduces the risk of a fatal injury by up to 50% for front seat occupants and 75% for those in the rear.

For drivers, do be very careful when travelling in crowded areas and driving at high speed is an absolute no-no. Needless to say drunk driving should also be avoided, wherever you are. And, last but not least, take breaks for long journeys. If you have to drive straight from the airport after landing in a foreign destination, do have a cup of coffee to perk you up!





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Disclaimer - This content is brought to you by Chubb Insurance Malaysia Berhad (“Chubb”) as a convenience to readers and is not intended to constitute advice or recommendations upon which a reader may rely. Chubb makes no warranty or guarantee about the accuracy, completeness, or adequacy of this content. It is the responsibility of the reader to evaluate the quality and accuracy of material herein.

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