Risk assessment is based on a lot of factors, such as your health conditions, smoking status, age, gender, etc. For extreme sports players, the insurer will often look at the frequency of participating in the sport and the level of danger involved. Some people take part in dangerous activities less frequently than others, so it may be easier for them to qualify for a policy. The level of damage and injuries also matter. Some sports, such as swimming, soccer, or yoga, are considered less dangerous. They do not often result in permanent damage or death. Meanwhile, motorsports, mountaineering, scuba diving or bungee jumping are categorized as life-threatening activities.  Apart from these two, the insurers also look at other factors, such as your experience, training, license or certificate. The equipment that you use or any safety precautions that you need to take also counts.