Sport insurance for children. Accident insurance

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

Sports education is necessary for a developing organism. This is especially true now, when many ailments appear in children. Thanks to sports, the skeleton will be properly formed, and the muscles and joints will become strong. Constantly engaged people practically do not get sick, have a huge reserve of strength and excellent resistance. But the sport has a drawback - frequent injuries.

Insurance registration

Sports insurance for children allows you to protect teenagers from many adverse situations. The guys are very mobile, active, they perfectly cope with the implementation of many exercises. But since the body goes through the stage of formation, the bones are not yet as strong as in adults. Because of this, they may not withstand the load.

Children are often injured. It can be not only small sprains, but also fractures. There is sports insurance for children, which is increasingly chosen by modern parents. This procedure has features that you need to know before applying.

Insurance principles

Insurance can be different - everything is determined by choiceparents. Compensation can be paid for any accident. The amount depends on the services. Usually there is enough money to cover the expenses and return the child to a normal life.

Before entering into an agreement, you must carefully read its terms. After all, payments depend on this, as well as the rules for providing compensation.

Firm Choice

Each company provides its own sports insurance for children. The choice of company depends on the intensity of training and the preferences of the parents. Everywhere there are programs and conditions. Some firms offer insurance only if an injury occurs during a competition.

In other companies, compensation is paid during competitions and training. And there are insurers who issue a policy for a specific period. As a result, payments are provided for any injuries.

Athletes insurance

Each company has its own sports insurance. Rosgosstrakh proposes to issue the Fortune "Children" program. The policy is drawn up up to 1 year for amounts from 100,000 rubles. Insurance is provided not only for the time of training, competitions, but also for rest. The program is also designed for a group of children, which will cost much less. It also won't take a long time to complete.

The conditions may be the same. Usually you can insure children who are already 2 years old. And then not all companies insure babies at this age, because you can usually use services from 3years.

Procedure for clearance

Children are different, so you need to take out insurance. The document is drawn up for a child from 2 years old, if he attends the section. If the company is selected, it is necessary to verbally discuss the terms of cooperation.

It is important for parents to include in the contract those risks that really can be. Sometimes there are ridiculous moments in these documents, so you should check whether real insured events are really included. After all, such a service is paid by the client.

Policy

When dealing with a company, it is necessary to draw up an insurance contract. An insured event that occurs after its registration is subject to compensation. Even minor details missed in the preparation of the document can deprive the payment.

An athlete can get into an unpleasant situation: loss or damage to luggage, an accident, etc. But sports insurance for children also involves protecting the child when traveling to other countries. The company must pay for the treatment even when the recovery is carried out abroad. If the child cannot be delivered to a medical institution due to an injury, the insurer will compensate for the trip.

Concept of contract

There is a clause that firms usually do not include in the contract. It is the expenditure part for the budget if the child needs treatment abroad.

The cost of staying in the country must be compensated by the firm. Many companies deceive customers in this way, discussing some points only in words, but there is no such information in the contract. Therefore, you need to carefully read the contract. To obtain a policy, you must submit:

• birth certificate or passport;
• personal information;
• contacts;
• sports;
• information about parents.

Only when the data is provided in full, it will be possible to issue a policy.

Prices

Document cost may vary. It all depends on factors such as:

• sport;
• insurance item;
• expirations.

It should be taken into account that the price rises depending on the risks. If there are many, then the contributions will be large. The average cost of a policy is 700-1000 rubles.

Payouts

At the standard cost, parents will be given an amount of about 100,000 rubles. The maximum is determined by what kind of injury occurred. It also affects the duration of the illness of the child. Payments will increase if you have received a disability due to an injury. But keep in mind that you need a lot of certificates that will confirm the insured event.

The concept of insurance payment

It is important to follow the rules set by the company. For example, notification of the company about the event. It should be clarified in advance how this should be done, because now it is possible to notify about an insured event by phone, the Internet, or by letter. To receive payments, you must fulfill all the conditions approved by the contract.

How to get?

To receive payments, you must submit the following documents:

• confirmation fromorganizers, coach, responsible persons;
• policy;
• account number for transferring funds;
• document from a medical organization;
• personal documents and application.

If a child becomes disabled during an insured event, this must be confirmed. Medical certificates are required. With death, you need a certified document confirming this fact. You also need to provide the reason why the event occurred.

Sport insurance is a must if your child is into sports. Medicine is very expensive, and after serious injuries it is difficult to recover if there are no funds. And thanks to insurance, all costs will be covered.