Insurance is calculated based on the risk that the individual poses to insurer. For someone who is young, in great health, and has no foreseeable risk factors in their life, the premium for health insurance is bound to be lower than for someone who is say, older, has pre-existing health problems and smokes.

The higher the risk the higher the premium you pay. When it comes to extreme sports, there is always an element of risk involved. Getting insurance is therefore tricky for those who have hobbies that can be considered dangerous or risky.

It can be worthwhile to get health quotes from several companies before buying health insurance. Some companies may offer special products for people involved in adventure sports. The premium, however, is always going to be higher than what you would pay if you weren't into the sport.

There are special travel insurance products that cover adventure and extreme sports activities. Activities most commonly covered include bungee jumping, rock climbing, hand gliding, sky diving, white water rafting and paragliding. Of course, this is by no means a comprehensive list and many other activities can also be covered by insurance.

Regular life insurance and health insurance policies do not usually cover extreme sports, so it is important to look into the right insurance cover before you indulge in your chosen activity. Some comparison websites often include specialist insurance products as well so you can compare quotes before buying.