Sports insurance

Sports activities carry the risk of injury. Athletes' insurance does not protect against injury, but compensates for financial losses in the event of health problems. Insurance is relevant for those who train "for themselves", and even more - for those who train officially.

Is insurance for athletes required in the Russian Federation?

Whether you train at home or go to the gym, you are completely responsible for not having financial safety net. In the case of sports clubs or clubs, the situation is different. Without an insurance policy, neither you nor your child will be allowed to play sports.

This is true for the amateur level, and even more so for the professional. Compulsory insurance against accidents and sports school students. But only for the competitive period.

Insurance of athletes for training and competition is a prerequisite in the Russian Federation. And if in some cases it is possible to train without a policy, then it is necessary to compete by concluding an agreement with one of the insurance companies.

The main sports for which insurance is required

The list of sports requiring compulsory insurance is wide. The list includes:

Extreme sports in the context of insurance are characterized by a number of features. Among the latter:

• increased risks of daily injury;
• increased rates of insurance premiums;
• increased insurance rates;
• large variability of insurance terms - from several hours to a year.

Among the insurance risks associated with extreme sports:

• insurance of medical and transportation costs;
• civil liability insurance; This includes covering the costs of third parties who are injured by the athlete's actions (for example, if a snowboarder falls onto the property of a third party).

Types of insurance for athletes in the Russian Federation

Athletes involved in any of the described sports can issue 2 main options for insurance policies: annual and for competitions.

Annual insurance

Covers cases related to training, sports camps, demonstrations and competitions. The policy is valid for a year.

Competition insurance

It is a compulsory insurance for athletes that covers participation in any sporting event. Valid during the last one; the policy is issued both individually and for the sports team.

Which option is preferred depends on the sport, the type of sport, and the degree of risk to the athlete (s). Traumatic species dictate the need for an annual insurance. Sports in which the main health risk occurs during the competitive period is the reason for the conclusion of an insurance contract for a limited period. The choice is also influenced by the financial value of the athletes. For sports clubs, whose members are rated very highly, even the slightest risks can result in large losses. Therefore, the attitude towards insurance of athletes is special.

Within the main insurance options, there are 3 types of insurance:

• insurance of athletes against accidents;
• compulsory medical insurance;
• voluntary medical insurance.

Accident insurance

In Russia, you will not be able to get into the sports section, or, even more so, to participate in sports events, if there is no policy that insures against accidental accidents (NC). This type of insurance supplements the compulsory medical insurance contract and serves as an additional financial compensator in the event of injury or other health damage.

According to the NA policy, material compensation can be obtained in one of three cases:

• In case of temporary disability. In this case, the insured athlete is guaranteed to receive a daily insurance benefit in the event of temporary incapacity. Injury can be obtained both in training and in competition. In addition to daily payments, there is another option - a one-time receipt of a pre-agreed amount, the value of which is determined according to the corresponding table. The limit for a specific amount is tied to the severity of the injury and varies between 1-100% of the amount prescribed in the contract.
• In case of disability (in case of disability). Athletes' insurance for training and competition of this type determines the final material compensation in the event of injury leading to disability. The amount of material payments depends on the contractual conditions and the severity of the injury - the amount of compensation is 60-90% of the maximum specified in the policy.
• In case of death. Life insurance for athletes provides for one hundred percent material compensation in accordance with the amount agreed in the contract. The insurance company pays money to the relatives of the deceased athlete or his legal heirs.

Compulsory health insurance

Compulsory medical competition is the main type of medical insurance in the Russian Federation. Athletes are primarily citizens of Russia, so this insurance has nothing to do with sports directly. An insured event entails the provision of free medical care in state medical institutions of the country and material compensation in the form of a monthly or one-time cash benefit.

In addition, incapacity for work is the reason for the subsequent treatment and payment of medical, social and vocational rehabilitation. All or partial costs are covered by the insurance company.

Voluntary health insurance

Voluntary health insurance covers the costs of medical rehabilitation in paid medical institutions. The types of damage to health and the list of medical institutions are indicated in the insurance contract.

What to do when an insured event occurs?

how fromIs the health insurance of athletes implemented in practice? If an accident occurs, you must:

• seek help from a doctor and ask him to document the occurrence of the insured event;
• inform the insurance company as soon as possible about what happened; you need to do this in any (from the specified in the policy) format;
• follow the recommendations of the insurance company employees regarding further actions; specialists will inform you what documents need to be provided and what steps to take.

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Insurance for competitions abroad

Injury insurance for athletes traveling outside the Russian Federation requires special insurance. If you neglect this, you will have to pay for medical care out of your own pocket. The Standard Contract does not apply to injuries sustained at sporting events or training. There are 3 main types of insurance policies for athletes traveling to train or compete abroad.

General health insurance

Insurance for athletes begins with the issuance of a medical, common to all, policy. This is basic insurance covering medical expenses abroad. In order to make it possible to compensate for the payment of medical services related to sports, it is necessary to mark a certain type of sport in the corresponding section of the policy.

If it is supposed to be engaged in various sports disciplines or it is not known what kind of sport will have to be engaged, the maximum number of the supposed disciplines should be noted.

Separately, each sport makes the cost of insurance heavier by a certain coefficient. But when choosing several types, the coefficients are not summed up - the highest one is added to the basic insurance. For example, if the sport X has a coefficient of 5, and Have - 3, then the latter is not added, since X more.

Insurance for athletes at competitions or training abroad is associated with various risks. Therefore, experts recommend that athletes include such options in the contract (one or more, depending on the situation):

• evacuation by helicopter; makes sense for those who will be away from civilization;
• relief of exacerbations of chronic diseases; most of all, this is relevant for the "siloviki" - the rise in burdens is often associated with similar problems;
• travel and accommodation of third parties; Reasonable when insuring children (athletes) - parents sending children abroad should use this option;
• search and rescue activities; recommended for those who are involved in extreme sports;
• driving a vehicle (moped / motorcycle / water scooter); a logical option for those who aspire to independent acquaintance with a foreign country.

Accident insurance abroad

This option is also required and complements basic health insurance. In this case, in a difficult situation, the athlete can count on compensation for material costs associated with sports.

Payments are similar to those described in the section on insurance of athletes in Russia:

• upon the onset of temporary disability;
• upon the onset of disability;
• at the onset of death.

In all cases, the financial range in percentage terms is also the same.

Civil liability insurance

Nobody is insured against possible troubles associated with damage to someone else's property or harm to the health of strangers. But it is possible and necessary to insure against the need to cover the costs associated with the incident. This is especially true for trips abroad.

The occurrence of an insured event abroad

What to do if the insurance of athletes for training or competition was not in vain and an insured event occurred while abroad? Follow the instructions:

• contact the assistance company and inform the intermediary between you and your insurer about the incident; be sure to inform about contraindications to certain medications, if any;
• provide the data - full name, policy number, name of the UK, location of the victim and phone number to contact you;
• do what the employees of the assistance company tell you - the intermediary must inform you where and how to seek medical help and whether the transportation costs will be covered by the insurer; be sure to save all documents confirming the fact of transportation, its route and cost;
• while in a medical facility, pay only for the services agreed with the intermediary;
• keep all accompanying documentation confirming your expenses in the medical facility; if the payment for medical services was made in cash, the injured athlete will need to receive and subsequently provide the insurer with invoices and confirmation of their payment, as well as a medical report indicating the diagnosis.

Watch the video: The Nitty Gritty Of Sports Insurance (November 2024).