# Does a GSI policy cover hobbies like scuba diving or rock climbing? **Jay Weinberg, CLU, ChFC** Physician disability insurance specialist · PGY1 Financial Solutions · Updated October 30, 2026 Short answer The GSI policies I'm talking about overlook pre-existing conditions and hazardous activities. So if you enjoy rock climbing or scuba diving or jumping out of airplanes, or you have some bumps or bruises in your health file, a GSI is a wonderful option to consider. Not every GSI is the same, though. Some have pre-existing conditions clauses. [Jay Weinberg answers: Does a GSI policy cover hobbies like scuba diving or rock climbing? (video)](https://www.pgy1.com/assets/video/gsi-hazardous-activities.mp4) A short clip from his webinar for residents and fellows, with captions. [Watch the full webinar from 15:10](https://www.youtube.com/watch?v=jbIEKrrgKos&t=910s) ## Who a GSI suits These policies overlook pre-existing conditions and hazardous activities. If you have anything in your health file, or you enjoy rock climbing or scuba diving or jumping out of airplanes, or you simply don't want to give an insurance company access to your medical records, then a GSI would be a wonderful option to consider. ## When answering the health questions makes sense On the flip side, if you're clean as a whistle, and the only thing in your medical records is a well visit and a flu shot, you may be able to get a wider scope of coverage by answering the health questions. ## Not every GSI is the same The Guardian GSI has no pre-existing conditions wording. But some GSI policies do have pre-existing conditions clauses that may not be disclosed by the insurance professionals selling them, so be on the lookout for that. ## Check before you apply anywhere else If you apply for a medically underwritten policy before taking advantage of a GSI policy, you have likely disqualified your eligibility. So find out whether a GSI is available where you're training first. ## Where Jay covers this Jump to each moment in his webinars. - [Masterclass – GSI Disability Insurance (Mar 2026)](https://www.youtube.com/watch?v=jbIEKrrgKos&t=910s) - [Masterclass – Disability Insurance and GSI Policies (Apr 2026)](https://www.youtube.com/watch?v=OGv0T4QPqWo&t=1049s) - [Masterclass – Disability Insurance and GSI Policies (Apr 2026)](https://www.youtube.com/watch?v=OGv0T4QPqWo&t=1569s) Does your hospital have a GSI policy? [Look up your hospital](https://www.pgy1.com/gsi/) on Jay's list of teaching hospitals with a GSI, or email [jay@pgy1.com](mailto:jay@pgy1.com) with where you're training. [Start the questionnaire](https://www.pgy1.com/#questionnaire-embed) --- PGY1 Financial Solutions Corp · Jay Weinberg, CLU, ChFC · independent disability insurance broker for residents, fellows and physicians · (609) 432-8862 · jay@pgy1.com Start here: [2-minute questionnaire](https://www.pgy1.com/) · [Does your hospital have a GSI policy?](https://www.pgy1.com/gsi/) · [All questions](https://www.pgy1.com/questions/) General information from Jay's webinars, not advice for your situation. Policy details vary by hospital, state and insurance company.