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Love the Thrill? Go for It with Extreme Sports Insurance or Takaful

ByTiqa Hours
Parasailing

Are you a sports enthusiast or an adrenaline junkie with a love for extreme sports and activities? Whether it’s hiking, rollerblading, or something more electrifying like bungee jumping or diving, there’s no shortage of adventure! 

If you’re looking for ideas of what to do and where to go, we’ve got a few suggestions from various outdoor hobbyists. But before your next adventure begins, make sure you’re protected with extreme sports insurance or takaful. Let’s start with the basics:

What is extreme sports insurance or takaful? 

Simply put, it’s a protection plan designed for the adventurous. Think of it as a safety net that covers you for accidents, injuries, and unexpected situations that can happen as you pursue sports or adventurous activities. 

That’s what Etiqa’s Buddy PA – Weekend Warrior plan is built for. A protection plan that gives you peace of mind as you take on an adventure.  Even if you’re ready for the thrill, your family and friends may still worry, so get yourself the right plan, the right mindset, and head out for a good time.

What is the Buddy PA – Weekend Warrior plan?

It’s a comprehensive personal accident (PA) plan for active individuals, with coverage extended to accidents resulting from covered sports and recreational activities. It covers a wide range of activities from indoor ones like bowling and pilates to outdoor sports like athletics and pickleball. 

Looking for something even more adventurous? We’ve got you! Go skydiving or deep-sea diving, enjoy a relaxing canoe ride or a thrilling abseiling experience. Buddy PA – Weekend Warrior Insurance or Takaful covers you while you take on the seas, conquer mountains, or explore the skies.

One thing to note: The Buddy PA – Weekend Warrior plan only covers recreational sports and leisure activities. It does not cover:

  • Hazardous activities
  • Professional sports
  • Activities where you earn money or financial rewards
  • Speed or time trials, sprints, or motorised vehicle or craft racing
  • Boxing, wrestling, or mixed martial arts

That said, the Buddy PA – Weekend Warrior plan still covers a wide range of sports and outdoor activities, including:

Buddy PA - Weekend Warrior plan covers a wide range of sports and outdoor activities

Serious talk: The benefits and costs of the Buddy PA – Weekend Warrior plan

The Buddy PA – Weekend Warrior Insurance or Takaful plan ensures you’re able to enjoy the experience without worrying about forking out hefty sums for hospital bills in the case of an unexpected event. Additionally, it gives you the option to select your preferred medical centre, access to quality treatments and ensure you’re financially taken care of in more serious situations.

Here are the main benefits: 

  • Coverage of up to RM250,000 in the event of death or permanent disability
  • Reimbursement for hospital and outpatient fees
  • Cash allowance for hospitalisation
  • Nursing allowance for recovery care
  • Reimbursement for mobility aids such as wheelchairs, crutches, and artificial limbs following an accident
  • Reimbursement for facial reconstructive surgery, skin grafts and dental treatment
  • Reimbursement for ambulance fees

Wondering how much it costs? It depends on the plan you choose: Basic, Good, Better, or Best. Let’s take the Good plan (takaful option) as an example. For an adult with RM100,000 coverage, the annual contribution is RM206.90. After the 25% online discount, plus the 8% service tax and RM10 stamp duty, the total comes down to RM177.59 for one year of coverage. That works out to just about RM15 a month, about the price of a meal.

Remember, Buddy PA – Weekend Warrior isn’t just for thrill-seeking activities. It includes coverage for daily hobbies such as rollerblading, swimming, cycling, golf, and more.

Extreme sports and outdoor activities to try in Malaysia

Now that we’ve got the serious stuff out of the way, let’s talk about options! With so many types of activities to do, there’s something for everyone. If you enjoy group activities, here are some popular activities and places to do them:

Hiking

  • Chilling Waterfalls, Selangor
    • Highlights: 5-6 shallow rivers to cross, picnic area and a multi-tiered waterfall.
  • Gunung Nuang, Selangor
    • Highlights: Tallest peak in the state, boulders and river crossing.
  • Taman Negara, Pahang
    • Highlights: One of the oldest rainforests in the world, various treks of different intensities and an overnight trekking option.

Rafting 

  • Kuala Kubu Baru River, Selangor
    • Estimated cost: RM150 – RM180
  • Jeram Besu, Pahang
    • Estimated cost: RM170 – RM200
  • Singoh River, Perak
    • Estimated cost: RM80-RM150

Water Sports

  • Wakeboarding in Putrajaya 
  • Canoeing in Langkawi (Mangrove)
  • Parasailing in Langkawi 
  • Jet skiing in Port Dickson or any local island 
  • Diving at any local island in West & East Malaysia 
  • Scuba diving in Pulau Sipadan, Pulau Redang or Pulau Perhentian
  • Snorkelling in Pulau Redang, Pulau Perhentian or Pulau Tioman

Daily Hobbies 

If you’ve been feeling restless and looking for ideas for a fun workout, here are some we personally love: 

  • Pickleball
  • Cycling 
  • Swimming 
  • Gymnastics
  • Table tennis 
  • Roller skating or rollerblading 
  • Sepak takraw

FAQ related to extreme sports insurance and takaful

Does personal accident insurance or takaful cover sports injuries?

Yes, a personal accident (PA) plan like Buddy PA – Weekend Warrior Insurance or Takaful covers injuries from sports and recreational activities such as hiking, diving, or scuba diving. That includes hospitalisation, medical expenses and compensation for accidental death or permanent disability. So go enjoy yourself, knowing you’re covered.

Can I get extreme sports coverage during short weekend trips?

Yes. The Buddy PA – Weekend Warrior plan gives you sports coverage all year round, including for short trips and weekend getaways. It’s suitable for activities such as hiking trips, diving weekends, and other covered recreational activities, subject to the policy or certificate terms, conditions and exclusions.

Does extreme sports insurance or takaful cover both recreational and competitive participation?

A personal accident (PA) plan like the Buddy PA – Weekend Warrior plan only covers recreational and leisure activities. Competitive sports, professional participation, and activities involving financial rewards are excluded. Always check the policy or certificate wording for specific definitions and limits.

What activities are not covered by extreme sports insurance or takaful? 

Extreme sports insurance or takaful plans like the Buddy PA – Weekend Warrior plan do not cover:

  • Professional or competitive sports
  • Activities involving financial rewards
  • Speed trials or racing involving mechanically powered vehicles
  • Combat sports such as boxing, wrestling, or mixed martial arts

To avoid surprises later on, always check what activities are covered before choosing a plan.

Ready to reignite a sporty hobby or looking to conquer a mountain? Whether you’re rounding up a few friends or seeking a solo experience, don’t forget to take your trusty Buddy PA – Weekend Warrior Insurance or Takaful plan with you.  It’s valid for a year so head on out, stay safe, and enjoy every bit of it!

The benefit(s) payable under eligible product(s) is(are) protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Etiqa General Insurance Berhad or Etiqa General Takaful Berhad or PIDM (visit www.pidm.gov.my) I Member of PIDM

The information contained in this blog is provided for informational purposes only. It should not be construed as advice on any matter. Etiqa General Insurance Berhad and Etiqa General Takaful Berhad accept no responsibility for loss which may arise from reliance on information contained in the article. This information is correct as of 6th July 2026.

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