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What Does Sports Personal Accident Cover?

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One of the only negative aspects of indulging in sports is the threat of injuries. Studies reveal that 1 in every 3 athletes suffers from sports-related injuries in India every year. A majority of these injuries are not treated on time either due to the lack of funds and necessary healthcare infrastructure.

A sports personal accident cover can prove to be extremely beneficial to cover the cost of such injuries. The ever-increasing treatment cost in India has made it all the more necessary to have access to an insurance policy that covers sports injuries in India.

Common sports injuries

Almost every sport carries an inherent risk of injuries. The nature of the sport determines which injuries are more probable. For example, you are unlikely to hurt your knee joint while playing cricket but it’s a severe risk in kabaddi.

Injuries are more common in contact sports such as football and kabaddi. Here’s a list of the most common injuries experienced by sportspeople in India.

  • Concussion
  • Cerebral haemorrhage
  • Trauma injuries
  • Dislocations
  • Labial tear
  • Golfer’s and tennis elbow
  • Skier’s thumb
  • Sports haematuria
  • Hamstring strain
  • Ligament tear

Sports and fitness insurance policy covers most of these injuries and offer you financial protection from their medical bills. Bajaj Finserv offers affordable Pocket Insurance products such as sports injuty insurance cover which provides extensive coverage against injuries arising out of any sports and fitness related activities.

Additionally, training is an essential component of sports and athletes often hit the gym as part of their training schedule. Gym injuries are as common as sports ones, and you’ll do well to cover yourself under Pocket Insurance schemes like the Gym Injury Insurance.

Features of sports accident insurance cover

As already stated above, the risk of injuries in sports can never be underestimated. Regardless of the amount of protection one might use, accidents are always around the corner. As such, it is paramount to avail an adequate sports personal accident insurance to ensure that you remain protected if you sustain an unfortunate injury.

Here are the basic features of sports accident insurance cover which you should be aware of.

  • High coverage limit

The treatment of sports-related injuries can be a long and expensive affair. Some injuries such as tennis elbow and skier’s thumb may plague you for years before you finally undergo surgery.

You can fund such treatments via a sports insurance claim. You can get coverage of up to Rs. 2 Lakh at a low annual premium of Rs. 499. This sum can be used to meet various expenses such as hospitalisation fees, medicinal costs, ambulance charges, diagnostics tests, etc.

Individuals within the age bracket of 18 to 70 years may avail the benefits of this policy. There are no other eligibility requirements to avail this insurance plan.

  • Permanent disability

Although it’s not common, permanent disability due to sports injuries is not unheard of. A sports personal accident cover ensures that you have the financial support to tackle circumstances like that. You can avail a sum up to Rs. 2 Lakh in case of a permanent disability.

On a similar note, you may consider a Pocket Insurance scheme such as the adventure insurance cover. It is similar to sports insurance cover albeit for adventure sports such as skydiving, skiing, paragliding, white water rafting etc. You may avail this insurance policy as an adventure sports enthusiast to benefit from it the most. The scheme provides coverage of up to Rs. 1 Lakh for injuries arising out of adventure sports accidents. It also has provisions for permanent disability and premature demise.

While all sports are designed in the spirit of enjoyment, accidents are an unfortunate consequence. With the right insurance coverage, you can play to your heart’s content without having to worry about the pitfalls.

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