Insurance athletes for training and competition


2018-04-01 22:08:15




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Because any activity is associated with certain risks, most athletes prefer to enlist the support of various insurance companies. It is believed that this is a necessary precaution, allowing to protect the health and lives of professional Amateurs and extreme sports. Moreover, such algorithm of actions is sought after not only by athletes with single, but entire groups, teams. How does insurance for athletes?

insurance of sportsmen

Is it necessary to process insurance?

It is believed that the insurance industry – this case is conditionally voluntary. Currently, the process of life insurance of persons engaged in the sport, is a mandatory requirement. And this applies not only to professional athletes but also beginners and Amateurs.

Experts say one will not allow you or the child without the presence of the policy. In this case, the accident insurance (athletes Or lovers) allows you to protect not only owners themselves insurance, but are responsible for their training.

For example, while training in the gym you fell to the feet of rod and damaged the leg. As a result, you gypsum and claims to the trainers or the owners of the hall relative safety. If the policy of the problem will be dealing with the insurance company. By the way, this rule acts within the framework of the Federal law “On mandatory insurance of”.

life insurance of sportsmen

What agencies require to issue the policy?

According to the law, most educational institutions require you to carry insurance for athletes or lovers. Such educational institutions include not only sports centers and complexes, clubs, groups, camps, training facilities, schools, clubs and others. The representatives of these organizations may themselves dictate the conditions of the policies required for admission to the class.


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What are the types of insurance for athletes?

In total policies for Amateur athletes and professionals can be divided into the following types:

  • Life insurance of athletes,
  • Safety net against accident;
  • Training (a kind of guarantee during the preparatory training process);
  • Professional (reassurance for the period of competitions, marathons and other events).

In short, the kind of insurance depends on the student's level and variety of sport.

insurance for athletes for training

Why is there a requirement for compulsory registration of the policy?

The Compulsory insurance of athletes – this is a precaution that may not only compensate for the cost of treating the victim, but to repay the price of the recovery process. For example, during one of the hockey matches, the striker is known to the Russian team took the puck. As a result, he was in the hospital. But before that, he was insured against accident, insurance will cover the cost of treatment and rehabilitation.

Policies that help to insure athletes and fans during training, provide an opportunity to cover their participation in sports training camps, travel. Moreover, they have additional options, giving you the opportunity to insure the safety of their documents, personal belongings inventory form. With their help, you can also provide full civil liability.

What types of activities need the policy?

There is a special list of sports, involving the design of compulsory insurance. These include, for example, rowing, acrobatics, Aikido and other forms of martial arts. Here it is possible to enter the ballroom dancing, running, basketball, football, biathlon, bodybuilding, bowling and others.

insurance for athletes for training and competitions

What should be the policy: requirements

In order For you child or group made to required insurance. However, not every can go. It is believed that it must meet certain requirements. For example, insurance for athletes for training runs on the letterhead of the insurer. It usually shows the details of the company is wet seal.

Before you start exercising you need to present a printed or ready policy. It must contain the following information:

  • Detailed initials of the student (name);
  • The number and year of birth;
  • The period of insurance;
  • Expire;
  • Physical activity (fitness, gym, Boxing);
  • Fixed the contract number;
  • The amount of the insurance compensation.

Details in terms of coverage and amount

Then the insurance must completely cover the entire period of intended training. If the final date of ongoing learning is not checked (for example, are expected to participate in several competitions, training camps, training), then the policy should be issued with a stock. In this case it is better to do for the year.

If we talk about the amount of insurance, you must choose according to their financial capabilities and desires. But it should be understood that the larger the sum insured, the higher the possiblecompensation. For this reason, life insurance and health of the athlete should be performed for the maximum amount.

accident insurance athletes

What are the risks to cover?

Insurance can provide the following types of guarantees:

  • Upon the occurrence of temporary incapacity for work;
  • From a possible disability;
  • In case of an unexpected death.

In particular, insurance of athletes for training and competition, provides the ability to get 1-100% of the original amount of the policy upon the occurrence of the temporary disability. Each case is considered separately. And the amount of reimbursement shall be determined in accordance with the standard pay table.

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

In the event of death of the Amateur or professional athlete, the insurer agrees to pay 100% compensation to the relatives of the deceased. That's why you need insurance for athletes.

On which parameters depends the price?

The Cost of insurance depends on the sport, which deals with the insured person. The second important factor that influences the price is the age. For example, it can range from 18 to 65 years. And the third criterion-the amount by which a physical person was insured.

It is Noteworthy that one policy can include 3-4 of the sport. For example, if you expect health insurance of athletes, combining training in swimming and wrestling. In short, this approach is relevant for those who are planning to visit sports sections. However, it should be noted that the number inscribed in the policy of sports does not affect its value. In this case, it will be evaluated the most traumatic among them.

When is issued for group insurance?

Many insurance firms are able to arrange and group policies. This option is perfect for people who plan to engage in the same activity, for example, rowing. Obligatory condition for registration of such insurance is the fact that Amateurs or professionals belong to one age category. Moreover, the number of people included in the group cannot exceed 30 people.

Within a site?

Insurance policy often acts in the territory of the Russian Federation. This applies to all educational institutions. Effected insurances required to be taken by the leaders of all sports sections and circles. If you wish this rule was extended to other countries, you should also take out insurance covering medical expenses abroad.

How to apply?

Insurance for competitions and training both at personal visiting of office of the company, and online. It is noteworthy that in the second case, the entire process will take no more than 5-7 minutes. To calculate the value of the policy, usually on the websites of the insurers is valid online calculator. Example of calculation of cost of insurance can be seen in the picture below.

How to act when the insured event?

First, you need to calm down and not to panic. In the second stage should be mandatory to call the hotline and report the incident. If there was an injury, which requires urgent hospitalization, you should prepare policy (provided at registration documents of the patient) and ask medsluzhba to report the incident to the insurance company.

life insurance and health of the athlete

Next you will be contacted by a representative of the company, which should briefly describe the situation, indicate the contract number and other personal identification data.

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Alin Trodden - author of the article, editor
"Hi, I'm Alin Trodden. I write texts, read books, and look for impressions. And I'm not bad at telling you about it. I am always happy to participate in interesting projects."

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