2027 Fubon Life Kaohsiung Marathon Regulations
19. Insurance Coverage & Liability
(1) The organizer will arrange insurance coverage for all registered participants. In the event of any accident during the race, claims and related matters will be handled in accordance with the terms and conditions of the applicable insurance policy. Participants may not object to such arrangements.
(2) If the event is affected by a typhoon or other force majeure natural disaster before the race, the organizer reserves the right, with participant safety as the highest priority, to cancel or postpone the event, change the race course, or adopt other necessary measures. Any such changes will be announced separately by the organizer.
(3) Participants must follow the designated course and comply with the instructions of traffic-control personnel as well as applicable traffic laws, road signs, road markings, and traffic signals. If a participant leaves the designated course or otherwise fails to comply with event regulations and an incident occurs, the organizer may assist with the necessary procedures; however, any liability or compensation arising from such conduct shall be handled by the participant.
(4) Participants must provide complete and accurate information when registering. If incorrect or incomplete information results in the loss or invalidation of insurance coverage, the participant shall bear full responsibility.
(5) Participants should carefully assess their physical condition on race day and participate within their own capabilities. Participants are advised to obtain sufficient sleep on the night before the event and to finish breakfast at least two hours before the race starts.
(6) The event provides Public Liability Insurance. All coverage, terms, conditions, and details shall be subject to the insurance policy issued by the insurance company. Participants with additional insurance needs are advised to obtain personal insurance separately.
(7) Scope of Public Liability Insurance
If, during the insurance period, the insured becomes legally liable for compensation due to an accidental event that causes bodily injury, death, or property damage to a third party, and a claim is made against the insured, the insurance company will provide compensation to the insured in accordance with the terms and conditions of the insurance policy.
1. Accidents caused by the insured while participating in the race on the course specified in the event's insurance policy.
2. Accidents involving buildings, roads, equipment, machinery, or other property located along the race course.
(8) Public Liability Insurance Coverage Limits
1. Bodily injury liability limit per person: NT$5,000,000.
2. Bodily injury liability limit per accident: NT$150,000,000.
3. Property damage liability limit per accident: NT$3,000,000.
4. Maximum aggregate liability limit during the insurance period: NT$304,000,000.
Special Exclusions
(1) Sports-related injuries caused by a participant's personal illness or medical condition are not covered.
(2) Symptoms or conditions arising from an individual's physical constitution or cardiovascular system are not covered. These may include shock, heart disease, diabetes, heat exhaustion, heat stroke, altitude sickness, epilepsy, dehydration, and similar conditions. Illnesses or symptoms caused by pre-existing or personal medical conditions are excluded from insurance coverage. Public Liability Insurance applies only to injuries resulting from external and accidental events.
(3) Participants with a medical history involving any of the conditions described above should carefully consider their own health and safety and are advised to obtain additional personal accident insurance if necessary.
(4) Participants with any of the following medical histories or symptoms may be at higher risk of sudden death. Participants are strongly advised to consult a qualified physician before taking part in the event and should not participate against medical advice.
1. Unexplained chest discomfort, including chest tightness or chest pain.
2. Unexplained difficulty breathing or unexplained dizziness.
3. Sudden loss of consciousness or high blood pressure (>140/90 mmHg).
4. Heart disease or abnormal kidney function.
5. Diabetes or hyperlipidemia (total cholesterol >240 mg/dL).
6. Family history of heart disease, including a first-degree relative who developed heart disease or experienced sudden death before the age of 60.
7. Epilepsy.
