Sports and health insurance: will you be reimbursed in the event of an injury?

Through Danger † Posted on 08/03/2022 at 14:37 | Updated on 08/03/2022 at 14:37

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Do you play sports but do not know whether you are insured in the event of an injury? This article is for you! Whether you practice as an amateur or as a professional, your health insurance may not cover the cost of an injury. In addition, risky activities or extreme sports are generally excluded from the guarantees of the standard insurance. It may therefore be necessary to take out specific insurance. So, under what conditions are sports injuries covered?

The experts at Alea have a list of exclusions the most common among insurers and according to our research only global bupa supports sports injuries, unconditionally!

Our advice

Sports-related injuries and accidents are generally covered in the following situations:

  • – you are not performing this activity as a professional
  • – sport is not considered dangerous
  • – diving is limited to a depth of less than 30 meters
  • – winter sports are not off-piste

Sports specific conditions and exclusions

Insurance

Terms and Disclaimers

Aetna Pioneer

Aetna will not reimburse healthcare if you participate in a professional sport (ie participate in one or more sports for which you are paid and which are your main source of income), or any of the following activities, both professional and recreational. base:

1. Motor sports of any kind,

2. Use of a weapon or firearm,

3. Mountaineering, Caving, Climbing

4. Trekking at an altitude of more than 2500 meters,

5. Scuba diving or snorkeling (unless you are diving to a depth of less than 100 feet (30 meters) and you have the appropriate PADI qualification or are supervised by a qualified PADI Instructor)

Great ALC

ALC Prima does not cover injuries under the following conditions:

– Jumping, cliff jumping, flying in an airplane without a license or as an apprentice, martial arts, rock climbing, mountaineering with or without rope, diving at a depth of more than ten meters, hiking at an altitude of more than 2,500 meters, bungee jumping, canyoning, hang gliding , paragliding or microlights, skydiving, caving, off-piste skiing or any other winter sport practiced off-piste.

April MyHEALTH

April MyHealth does not reimburse care for:

1. Exercising an activity as a professional (full-time or part-time)

2. Injuries resulting from mountaineering or trekking at an altitude of more than 3000 metres, caving, off-piste alpine skiing, motor sports, pleasure craft in boats designed for a speed of 30 knots or more, diving in excess of 12 meters, airborne activities (unless you are a passenger and have paid for a seat) or intentionally endanger, except for the purpose of saving a human life.

bupa

No exclusions related to sports activities

Cigna Global

Cigna Global does not cover costs for:

1. Practicing a sporting activity at a professional level;

2. Practicing any dangerous sport or hobby, including but not limited to off-piste skiing, cliff jumping and jumping, mountaineering or rock climbing, caving, motorsports, horseback riding, bullfighting, parkour;

3. solo diving; Where

4. Diving to a depth of more than thirty meters unless the beneficiary is suitably qualified (ie PADI or equivalent) to dive to such a depth.

General choice

Generali Choice does not cover injuries in sports activities practiced as a professional or when practicing (even as an amateur) activities including, but not limited to kite surfing, mountain biking, mountaineering, mountain biking, rock or cliff climbing, mountaineering, boating outside territorial waters , motor sports, aerial activities and sports, bungee jumping, diving (at a depth of more than 30 meters or in the absence of a valid PADI certificate), any sport involving animals, speed races, off-piste skiing (except in a recognized area and Allowed).

Now health

Now Health does not cover injury treatment for jumping, cliff jumping, flying in an unlicensed or student airplane, martial arts, rock climbing, mountaineering with or without rope, diving at depths greater than 100 feet, trekking at elevations greater than 4,000 feet, bungee jumping, canyoning, hang gliding, paragliding or microlights, skydiving, caving, off-piste skiing or any other winter sport practiced off-piste.

Do you play sports and would you like to know more about your health insurance and injury treatments? Email us today at [email protected] or call 2606 2668