What should my travel insurance actually cover for Sri Lanka activities

Read the activity list carefully. Three things commonly trip up tourists here: (1) Scooter/motorbike riding is often only covered if you hold the correct licence AND the local recognition permit, and many basic policies exclude motorbikes entirely. (2) Some insurers add altitude clauses; high hikes like Adams Peak or trekking above a certain elevation may need an "adventure pack" add-on. (3) Make sure medical evacuation and hospital cover is included, as serious cases sometimes get moved to Colombo. Standard surfing and basic hiking are usually fine, but confirm in writing rather than assuming.