There are customers who don’t understand why they should be insured going in for aeromodelling sport for they consider this art to be an absolutely safe one. But controlling rapid flying machines may also lead to an accident. Fans of remote-controlled airplanes and helicopters quite often get injured while testing the models.
In case you do aeromodelling in a club, you have to get a special sport insurance policy. Otherwise the access to model tests and especially to competitions cannot be granted. This rule is common for both juniors and adults.
You should remember that the coach or group instructor is personally responsible for each group member’s safety. He has to follow both the rules of accident prevention and the federal law of health insurance as well.
Traumatism and insurance in aeromodelling sport
The level of potential danger depends on the type and class of the model. For example, if there is an ICE inside which runs on different fuel types or CO2 equivalent, the model may ignite. If a decent-sized model crashes or hits a person, there is a risk of getting seriously injured. You can be hurt both indoors and outdoors when launching models.
Payoff is guaranteed in the following cases:
- Light injuries which don’t cause disability;
- Injuries of medium severity that require recovery;
- Serious physical damage that result in long term disability;
- Mutilations which cause 1 and 2 categories of disability;
- Death.
The last three cases guarantee the maximum payout. Moreover, the law provides for receiving money compensation for chronic diseases that match the category of occupational diseases of athletes.
Types and differences
Almost everyone has a standard compulsory health insurance. If extension is needed, VHI (voluntary insurance) and AI (accident insurance) policies are to be issued. If a club member takes part in World or European championships, he must have an international policy which is valid outside of Russia.
Apply SPORT.INSURE and you can promptly issue a policy and skip visiting offices, collecting numerous documents and other bureaucratic procedures. The policy is inexpensive and can be of validity from 1 day up to 1 year. If you need a policy valid only through the duration of competitions, you can easily get it as well.