What is sports insurance for a child and why it is worth taking out

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

Each of us, of course, knows about the benefits of sports, especially for the child's body. However, do not forget that any sports activities are associated with a certain trauma. To protect the he alth and life of a small athlete, parents simply need sports insurance for their child. Rosgosstrakh, Max, Advant, Ingosstrakh2 and many other companies have long expanded the list of their insurance products and are happy to offer this service.

Why you need to take out sports insurance

Given that children are much more active than adults, and often simply unable to sit in one place, many sports sections (even chess clubs) simply do not accept children who do not have an insurance policy. Thus, coaches at least partially relieve themselves of responsibility for the injuries of their wards. Moreover, sports insurance is mandatory for competitions, training camps and various competitions and trips, because most often it is in the “pre-competition” euphoria that children absolutely forget about caution.

Injuries are present inany sport, so it is fundamentally wrong to assume that if your kid is fond of checkers, then he does not need insurance. So if you care about the he alth and safety of your child, you need to draw up a policy. Moreover, this type of insurance has been provided since the age of two. The main thing is that the baby attends classes at least once a week.

What does this insurance cover

Of course, each parent, giving the child to one or another section, seeks to choose a sport that would not only be interesting to the child, but would also be distinguished by a low injury risk. However, the most popular sports are the most traumatic. It is this disagreement that high-quality sports insurance for a child is designed to solve.

It is generally accepted that men's sports are more traumatic than women's, but this is not so. Of course, football or hockey involve increased activity, which is fraught with falls and fractures, and there is no need to talk about contact sports - karate, boxing, aikido, sambo and others. But girls are not far behind in this matter either: figure skating, acrobatics, gymnastics, ballroom and sports dancing - this is not a complete list of sports that occupy a leading position in the list of the most traumatic.

Additional items

If a young champion travels to competitions in other cities or even abroad, then sports insurance for the child must be expanded with additional items. You can go thereinclude relief of seizures in chronic diseases, search and rescue operations, travel and accommodation costs for one of the relatives in case an emergency occurs with the child, transportation of the patient to the place of permanent residence, evacuation by helicopter, and others. The cost of the policy at the same time increases slightly, but parents can be calm: if something happens, their baby will not be left with trouble alone.

Cost of sports insurance

Probably one of the main questions that parents are interested in is how much sports insurance will cost for a child. Its cost in each case is calculated individually and depends on many indicators. Here are some of them:

• First of all, the price of the policy depends on the sport the child is involved in - the more dangerous, the more expensive.
• Term of the policy - it is important here for how many days the insurance is issued. The policy can be issued for the whole year, or you can additionally protect the child for just a few days, for example, during the competition. Of course, the shorter the term of the policy, the cheaper it is.
• Sum insured - it is important to understand here that the larger the payment you expect in case of injury, the more expensive you will have to pay for insurance.
• Territory of coverage - the cost of insurance, which is valid only in Russia, is much less than the price of the policy for those traveling outside the country.
• Age of the child - usually the younger the child,the more parents will have to pay for insurance.
• The cost of the policy is also affected by additional items included in it, such as the treatment of injuries with expensive equipment.

Particulars of the contract

If you decide that sports insurance for a child is a simple matter, then you are mistaken. Do not rely on the conscientiousness of the manager of the insurance company. Before you sign a contract, read it carefully. Especially carefully study those clauses of the contract, where the conditions are prescribed, in case of violation of which compensation will be denied to you.

For example, if an athlete, in violation of the requirements and warnings of danger, continues to practice and gets injured, he will have to be treated at his own expense.

Pay special attention to the paragraph about the detection of alcohol in the blood. Of course, every parent is sure that his child will never drink alcohol, but practice shows that teenagers, breaking out of close control (for example, when traveling to competitions in another city), sometimes allow themselves too much.

Also be sure to pay attention to the amount of the deductible - this is the minimum amount that is excluded from the total payment. For example, if the deductible is 1,000 rubles, and the child's treatment cost 900 rubles, then the insurance company should not pay anything at all.

How to get paid out

What to doif you already have sports insurance for a child - "RESO", "Renaissance", "Rosgosstrakh" or any other company? What to do if your child is injured and what paperwork to prepare?

First of all, if you get any injury, you should immediately seek help from a doctor. The doctor must record the accident and issue you with a certificate that will be needed to receive the payment.

After that, you need to notify the insurers of the incident in any way available to you as soon as possible - usually within a period of no more than 3 days. Employees of the company will advise you on further actions and tell you exactly what documents you need to prepare. Most often, this list looks like this:

• application for payment;
• insurance policy or its copy;
• civil passport of one of the parents (insured);
• child's birth certificate;
• TIN of the recipient and details of the bank account to which the compensation will be transferred.

If an athlete has received an injury incompatible with life, a death certificate (original + copy) will also be required, plus a doctor's statement on the cause of death. When establishing any group of disability - a doctor's opinion on the reasons for its receipt, as well as a notarized copy of the MSEC certificate.

In addition, you will need all receipts for medicines, medical services provided and any other documents confirming the expenses that yousuffered in connection with the occurrence of an insured event.

Choosing an insurance company

This is one of the most important things to consider if you need sports insurance for your child. AlfaStrakhovanie, RESO-guarantee, Ingosstrakh, Renaissance, Liberty - which company to choose? Of course, the choice of an insurance company must be approached very seriously. Before concluding a contract, do not be too lazy to collect more information about the insurer. Reviews of acquaintances, Internet users on various forums can help here. Especially carefully study the negative comments, because it is in them that you can often find information about various pitfalls. Visit several offices and carefully study the conditions offered.

Sports insurance for a child is a very responsible and important matter, so you should entrust it to professionals. A high-quality policy will help parents feel calmer, and give the young athlete confidence.