Insurance for athletes for training and competition

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Because any sport involves certain types of risk, most athletes prefer to enlist the support of various insurance companies. It is believed that this is a necessary precaution to protect the he alth and life of fans of professional as well as extreme sports. Moreover, not only single athletes resort to such an algorithm of action, but also entire groups, teams. How does insurance for athletes work?

Is the insurance process mandatory?

It is believed that insurance is a conditionally voluntary matter. Currently, the process of life insurance for persons involved in sports is a mandatory requirement. And this applies not only to professional athletes, but also to amateur beginners.

According to experts, no one will let you or your child in without a policy. In this case, accident insurance (athletes or amateurs) allows you to protect not only the owners of the insurance, but also those responsible for their training.

For example, while exercising in the gym, youa barbell fell off and injured his leg. As a result, you have a cast and claims to the instructors or the owners of the gym regarding safety. If you have a policy, this problem will be solved by the insurance company. By the way, this rule operates within the framework of the Federal Law "On Compulsory Insurance".

Which institutions require a policy?

According to the law, most educational institutions require the insurance of athletes or amateurs. Such educational institutions include not only sports centers and complexes, but also sections, circles, camps, training bases, schools, clubs and others. At the same time, representatives of these organizations can dictate the terms of payment for the policies necessary for admission to classes.

What are the types of insurance for athletes?

In total, policies for amateur athletes and professionals can be conditionally divided into the following types:

• life insurance for athletes;
• accident insurance;
• training (a kind of guarantee during the preparatory training process);
• professional (reinsurance for competitions, marathons and other events).

In a word, the type of insurance depends on the level of training of the student and the type of sport.

What is the requirement for a mandatory policy?

Compulsory insurance for athletes is a measurea precaution that can not only compensate for the cost of treating the victim, but even pay off the cost of the recovery process. For example, during one of the hockey matches, the striker of a well-known Russian team received a serious blow with a puck. As a result, he ended up in the hospital. But since he was previously insured against an accident, the insurance covered the costs of treatment and rehabilitation.

Policies that help insure athletes and amateurs during training, make it possible to cover their participation in sports camps and trips. Moreover, they contain additional options that make it possible to insure the safety of their documents, personal belongings, inventory, uniforms. They can also provide full civil liability.

What major sports need a policy?

There is a special list of sports requiring compulsory insurance. These include, for example, rowing, acrobatics, aikido classes and other types of martial arts. You can also enter ballroom dancing, running, basketball, football, biathlon, bodybuilding, bowling and others.

What should be the policy: requirements

In order for you, a child or a group to be admitted to classes, insurance is required. However, not everyone can fit. It is believed that it must meet certain requirements. For example, insurance of athletes for training is carried out on a special form of the insurer. It usually containsdetails of the organization and there is a wet seal.

Before the start of classes, you must present a printed or ready-made policy. It must contain the following data:

• student's extended initials (full name);
• date and year of birth;
• insurance period;
• validity period;
• type of physical activity (fitness, gym, boxing);
• fixed contract number;
• Amount of insurance compensation.

Details on coverage and amount

Further, the insurance itself must fully cover the entire period of the proposed training. If the final date of the training is not set (for example, participation in several competitions, training camps, training sessions is expected), then the policy should be issued with a margin. In this case, it is better to do it for a year.

If we talk about the amount of insurance, then it should be chosen according to your financial capabilities and wishes. But here you need to understand that the larger the amount of insurance, the higher the possible compensation. For the same reason, life and he alth insurance for an athlete should be carried out for the maximum amount.

What risks can they cover?

The issued insurance will be able to give the following types of guarantees:

• in the event of temporary disability;
• from possible disability;
• in case of unexpected death.

In particular, insurance for athletes for training and competition makes it possiblereceive 1-100% of the original amount of the policy upon the occurrence of temporary disability. In this case, each case is considered separately. And the amount of compensation is determined in accordance with the standard payout table.

If there was an accident that led to disability, then the amount of compensation will fluctuate between 60-90% of the cost of insurance. Moreover, the more serious the injury of the insured person, the higher the compensation will be.

In the event of the death of an amateur or professional athlete, the insurer undertakes to pay 100% compensation to the relatives of the deceased. That's what sports insurance is for.

On what parameters does the price depend?

The cost of insurance directly depends on the sport that the insured person is engaged in. The second important factor influencing the price is age. For example, it can range from 18 to 65 years. And the third criterion is the amount for which the individual was insured.

It is noteworthy that one policy may include 3-4 sports. For example, if it is supposed to insure the he alth of athletes who combine training in swimming and freestyle wrestling. In a word, this approach is relevant for those who plan to attend several sports sections at once. However, it should be taken into account that the number of sports included in the policy will in no way affect its cost. In this case, the most traumatic among them will be judged.

When is group insurance issued?

In many insurance companies there is an opportunity to issue andgroup policies. This option is suitable for people who plan to engage in the same type of physical activity, for example, rowing. A prerequisite for obtaining such insurance is the fact that amateurs or professionals belong to the same age category. Moreover, the number of people in the group cannot exceed 30 people.

Within what territory does it operate?

The insurance policy is most often valid within the Russian Federation. This applies to all educational institutions. Issued insurance must be accepted by the heads of all sports sections and circles. If you want this rule to apply to other countries, you should additionally take out insurance covering medical expenses abroad.

How to quickly apply?

It is possible to obtain insurance for competitions and trainings either by visiting the company's office in person or online. It is noteworthy that in the second case, the whole process will take no more than 5-7 minutes. To calculate the cost of the policy, as a rule, an online calculator operates on the websites of insurers. An example of calculating the price of insurance can be seen in the picture below.

How to act in the event of an insured event?

First of all, you need to calm down and not panic. At the second stage, it is imperative to call the hotline and report the incident. If an injury has occurred that requires urgent hospitalization, you should prepare a policy (presented when processing the patient's documents) and ask the medical staff to report the incident to the insurancecompany.

Next, a company representative will contact you, who should briefly describe the situation, indicate the contract number and other personal data for identification.