In Un Zud there is the Accident Compensation Corporation that covers everyone in the country - even tourists and visitors. (Not that there are many there at the moment).
As there are so many "adventure sports" ACC covers basically everybody and removes the right to sue. Tort reform.
ACC is the sole and compulsory provider of accident insurance in New Zealand for all work and non-work related injuries. The corporation administers the ACC Scheme on a no-fault basis, so that anyone, regardless of the way in which they suffered an injury, has coverage under the scheme. Due to the scheme's no-fault basis, people who have suffered personal injury do not have the right to sue an at-fault party, except for exemplary damages
Kind of the complete opposite to the USA.
Is it a "good idea"? Maybe, but it is what it is.
ACCNZ