An insurance policy for athletics covers any injuries that athletes might sustain during training sessions and competitions. Depending on the type of training, athletes can face different types of injuries. Each kind of athletics means different overloads on the musculoskeletal system.
For example, short distance runners often pick up muscle and thigh ligament injuries. Long distance runners suffer from both lower and upper limbs injuries. High jumpers, in addition to these active muscles, might sustain heel bone, meniscus and upper limbs injuries in case of unsuccessful take-off. Discus and javelin throwers often suffer elbow joint and shoulder girdle injuries.
The coverage of athletics inusrance
All these injuries are included in the insurance policy for athletics. Depending on the severity of injury, the insurance provides corresponding payouts prescribed in the contract. However, the insurance policy defrays not only the costs of treatment of ordinary injuries, but it also provides additional payments in case of temporary or permanent disability. The contract also includes a certain amount which can be paid to the athlete's relatives in case of death. The basic price of an insurance policy depends on the insured amount contracted.
The most popular insurance options for athletics are insurance for the duration of certain sports competition or for the period of one year. In case of yearly insurance, it covers injuries sustained during any training sessions or competitions both in home country and abroad.
If necessary, you can purchase insurance for a longer period (for example, 3-5 years), and, in addition, you are free to prolong the expiring policy. You should pay special attention to the insurance period. If your policy is expiring and the next competition is approaching, you are recommended to prolong the contract at least for the duration of this event in order to gain maximum insurance protection.