Sports Insurance Policy
Coverage for athletes and teams against injuries, accidents, and liability.
Sports Insurance offers comprehensive coverage to protect athletes, teams, and sports organizations against a wide range of risks. This policy covers personal accidents, equipment damage, liability, and loss of personal effects. Ideal for both amateur and professional athletes, it ensures that participants are financially safeguarded during events and while training. The coverage can extend to family members and other individuals involved in the sports activities. With Sports Insurance, you can enjoy peace of mind knowing that you are protected against the unexpected.
Key Benefits
- Covers injuries sustained during sports activities.
- Protects sporting equipment and personal effects.
- Liability protection for participants and organizers.
- Coverage available for teams and family members.
- Protection against accidents and unforeseen incidents.
Health Cover Up
to ₹50 Lacs
What is Sports Insurance Policy?
The Sports Insurance Policy is a specialized coverage plan that protects athletes, teams, and participants in sporting events. It provides financial protection against personal accidents, liability, and damage to equipment. This policy covers injuries, lost belongings, and accidents during sports activities, and can extend to family members as well.
Why do you need Sports Insurance Policy?
Protection Against Injuries
Safeguards athletes from medical expenses due to sports-related injuries.
Coverage for Sports Equipment
Ensures financial protection against loss or damage to sporting gear.
Liability Coverage
Protects against legal claims from third-party injuries or property damage.
Support for Event Organizers
Covers unexpected costs and liabilities for sports event organizers.
Why choose Insurance Manager to protect your business?
Comprehensive Protection for Your Workforce
Ensure employee well-being with complete health insurance coverage.
Comprehensive Protection for Your Workforce
Ensure employee well-being with complete health insurance coverage.
Cost-Effective Group Insurance Plans
Affordable plans with benefits like maternity, critical illness, and dependent coverage.
Cost-Effective Group Insurance Plans
Affordable plans with benefits like maternity, critical illness, and dependent coverage.
Peace of Mind for Employers and Employees
Reduce financial stress with cashless claims and reimbursement options.
Peace of Mind for Employers and Employees
Reduce financial stress with cashless claims and reimbursement options.
Boost Employee Productivity and Retention
Build loyalty and motivation by easing economic and mental burdens.
Boost Employee Productivity and Retention
Build loyalty and motivation by easing economic and mental burdens.
What does Sports Insurance Policy cover and exclude?
Plan Coverage
Protection for Sporting Equipment
Covers loss or accidental damage to sports gear, accessories, and apparel.
Personal Belongings Coverage
Protects against loss or theft of personal effects and clothing due to fire, burglary, or theft.
Public Liability Protection
Covers legal liability for accidental injury or property damage caused to a third party.
Accidental Injury Coverage
Provides financial assistance for injuries sustained while practicing or competing.
Team Coverage Option
Can extend to cover teams and groups participating in sporting events.
Emergency Medical Expenses
Covers hospitalization and medical costs arising from sports-related injuries.
Travel Protection for Athletes
Insures against loss of baggage, passports, and trip cancellations during sports travel.
Event Cancellation Coverage
Protects against financial losses due to unforeseen cancellations of sporting events.
- In-patient treatment 24 hours a day
- Pre-existing disease
- Pre and Post hospitalization
- Domiciliary hospitalization expenses
- Reimbursement of cost of health check-up
- All day care procedure
- Family floater to covers member’s immediate family such as a spouse, dependent children, dependent parents, etc.
- Maternity benefits
- Dental treatment
- Cost of spectacles, contact lenses
- Waiver of waiting period
- Waiver of first-year exclusions
- Reimbursement of ambulance costs
- Baby day one care
- Vaccination benefits
- Increased room rent limits
- Corporate buffer
- Out-patient treatment (OPD Card)
- Root canal surgery
- In-hospitalization expenses due to sickness or accidents
- Room and boarding expenses as provided by the hospital/nursing home.
- Nursing expenses.
- Surgeon, anesthetist, medical practitioner, consultants or specialist fees.
- Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, diagnostic materials and X-Ray, dialysis or chemotherapy.
Major Exclusions
Breakage of Sports Equipment
Excludes damage to cricket bats, racquet strings, angling lines, and similar items.
Wear and Tear
Loss or damage due to gradual deterioration, moth, or vermin is not covered.
War and Nuclear Risks
Excludes any loss or damage caused by war, nuclear hazards, or related perils.
Self-Inflicted Injuries
Injuries caused intentionally or due to reckless behavior are not covered.
Participation in Unauthorized Events
Losses incurred while taking part in non-approved or illegal sports events are excluded.
Damage Due to Negligence
Loss or damage due to careless handling or lack of proper maintenance is not covered.
Professional Liability
Excludes claims related to contractual obligations or professional misconduct.
Use of Performance-Enhancing Drugs
Injuries or losses resulting from the use of banned substances are not covered.
- If the appropriate waiver is not opted for, then the policy will not cover
- Treatment of pre-existing illnesses.
- Any treatment for illnesses/diseases within the first 30 days of the policy, unless it is an accident.
- Treatment of specified illnesses for the first year of the policy.
- Certain diseases like hernia, cataract, piles, sinusitis, etc are excluded during the first year of operation in the cover.
- Any claim arising out of or traceable to pregnancy.
- Ayurvedic, homeopathy, naturopathy or any other form of local medication.
- Alcoholism, drug abuse, and AIDS.
- Dental treatment or surgery unless it requires hospitalization.
- Cost of spectacles.
- Vaccination and inoculation.
- Cosmetic treatment.
Your Journey to Insurance Manager
When can I Claim?
A claim under Sports Insurance Policy can be registered in the below circumstances:
- Injury During a Sporting Event – If you suffer an accident or injury while participating in an insured sports activity.
- Damage or Loss of Equipment – When your insured sports gear is lost, stolen, or damaged.
- Third-Party Liability Claims – If you are held legally responsible for injuring someone or damaging property during a sports event.
Claim what’s yours with Insurance Manager
Have more questions?
Submission
Assessment
