Compulsory sport insurance policies for gridiron football are required by the Federal law. This team sport is one of the most tough and traumatic kinds of sport. The players hit each other over and over again in every match. It often leads to serious health problems and risk to life.
Official sport insurance policies have to be verified by the coaches. An athlete cannot participate in trainings and training camps without a policy. The organizers and Federation representatives are in charge of verification at friendly and official matches.
Injuries in gridiron football
Gridiron football is a sport based on the rules of rugby. Each team member wears special protective equipment which includes helmet, shoulder pads, mouth guards and other elements. But even these strict precautionary measures do not provide a 100% protection from getting physically damaged.
A running back whose task is to carry the ball as far as possible on the opponent’s side is always a target for defensive tackles and cornerbacks. The defensive units are usually tall men of heavy weight. Being hit by one of them or getting under the weight of a few players, the attacker has every chance of picking up an injury:
- Arm, leg, ribs fractures;
- Concussion;
- Spinal damage;
- Internal organs damage.
An unlucky fall may lead to disability or even death. Such cases are not rare. Up to 40% of athletes retire ahead of time for medical reasons. Football players often die from heart attacks or heat strokes.
What do sport insurance policies for gridiron football defray
Being insured against those accidents during trainings and competitions, customers get a guarantee of money compensation, the amount of which varies, depending on the injury. The maximum amounts are being paid in case of disability (up to 90%) and death (100%).
These funds are usually being spent on treatment and rehabilitation. Serious injuries not only interrupt the sport career but also can lead to long-term disability. The insurance company would help you compensate the expenses in this period.
Types of insurance policies
SPORT.INSURE can operatively issue a policy of selected type for football players. The policies can be valid either in Russia only (compulsory insurance policies; voluntary insurance policies; accident insurance policies) or in other countries of the world (insurance policies for travelling abroad). The policies can be issued for one or few matches, for the whole year or season. The entire team can be insured as well, but the contracts have to be signed by each team member separately. This is a good opportunity to save the money. The policies are available for both adults and juniors.