Sport insurance: Which protection makes sense?
Approximately 1.5 million people per year are involved in a sports accident – in addition, expensive property damage usually occurs. In particular, persons who engage in a relatively dangerous sport should therefore take out sports insurance. These include the following sports:
- Winter sports such as ice hockey, snowboarding or skiing
- Ball sports such as football, basketball or football
- do gymnastics
Especially recreational athletes who train regularly in a club and those people who engage in accident-prone sports, should take out sports insurance. Here, however, must be clarified in advance, which insurance types are useful and in which sports, the sports insurance is worthwhile.
It must be kept in mind, however, that the consequences of accidents can be comparatively expensive for the athlete – regardless of whether he has injured himself or others. Because the health insurance pays only in accidents at leisure, but does not come up for any consequential costs.
Since there are different types of sports insurance, it is not possible to make a general statement about the extent of insurance coverage – in addition, various aspects of life are insured by the individual providers of sports insurance.
The sports liability insurance
Thus, a conventional private liability insurance, which is not necessarily sufficient in recreational sports, be supplemented by a sports liability insurance. For example, it will cover the cost of accidents caused by your sport. The insurance is especially worthwhile if the sport you exercise is excluded in your personal liability. For example, these sports are usually hedged here:
- Mountain biking
- To ski
Insured individual training
An insured individual training is a training session of an individual member in the context of the corresponding sport. Most of the individual training is carried out to prepare for upcoming competitions. However, for this training to be covered by sports insurance, it must be arranged by the trainer or the association’s board.
What is not insured?
For example, the insurance does not cover sports theft of things. It is irrelevant whether the things were stolen from the gym or from the locker rooms. For this case, no other insurance available. Affected parties can only try to regulate the damage through the home contents insurance of the association or on the insurance of the sports venue.
Parents as helpers in insurance coverage
If parents drive their children to sports events, they are insured as helpers if they have been assigned to a driving service organized by the association. For private trips to the event, the parents are not covered by the Sportpolice.
Sports insurance at a glance
There are numerous insurance policies that athletes can use to hedge their hobby in a relaxed way. But not every policy is really relevant for every recreational athlete. In the following table we have listed the insurances that are essential for athletes in particular, but in principle for everyone.
|Personal liability insurance (PHV)||Pays if third parties submit legitimate claims for damages|
|Occupational disability insurance (BU)||Pays if the insured person can no longer pay for his own income due to an accident or illness|
|Travel health insurance||Pays for medical care abroad|
Due to the fact that sports can be excluded in case of occupational disability, the following policies are available as alternatives:
- Disability insurance (EU) : Pays for disability; worth it for people who can not complete a BU
- Accident insurance: Pays a disability pension; is worthwhile for athletes with a higher accident risk who can not conclude BU or EU
Which insurance is also useful?
In most cases, it is also worthwhile to take out sports insurance through the association. This often combines different policies with each other and offers the athletes a complete protection. For example, it includes:
- A sports liability insurance
- An accident insurance
- A legal protection that helps with claims for damages
However, you do not have to be bound to the club: you can also take out private sports liability insurance. This usually pays for compensation claims that have arisen in the context of your sport – unless covered by your personal liability insurance.
You can renounce to a stationary additional insurance, if you do not necessarily want to take a chief physician treatment.
Sports insurance through associations and clubs
If you belong to a club as an athlete, you can usually also take out sports insurance through this one. This insurance covers the sports club or sports federation together with its employees and members. Specifically, this means protection for all:
- Active members
- Passive members
- Full-time employee
- Commissioned helpers
The helpers must ensure that they are officially commissioned for insured events.
Protection by the association insurance
The insurance cover of the club insurance usually consists of several lines. Thus, in addition to a liability insurance and a sports accident insurance on the club to the policy. In addition, there is often legal protection, health insurance and fidelity insurance.
Usually, all activities are covered, which are addressed in the statute of the association. In addition to the training, this includes tournaments organized by the club.
Exception festive event
If it concerns festive events, which are accessible not only for club members and their relatives, but for everyone, the insurance protection can be completely excluded here. For such events, you should always contact your insurance company.
Incidentally , in most cases, the insurance cover of sports insurance is not limited to a specific location. For this reason, international and national events can usually be insured under the sport – but this is often only the case if the event is secured by one of the state sports federations or the national sports associations. The round trip to or from the venue is also covered.
But : German and International Championships, which are usually organized by the German or the International Sporting Federation, are not covered by the own club insurance. Here, instead, the insurance coverage of the appropriate organizer.
Should I still be insured privately?
Most sports insurance is about the club as additional protection for the athlete. However, private provision can not be replaced. A private liability insurance should therefore be completed in any case, so that claims for compensation outside the sporting context can be secured. Because the sports insurance is valid only as long as the damage results in the context of the exercised sport.
Attention under contract conditions
If you plan to take out sports insurance, you should definitely check the terms of contract beforehand.
The accident insurance
Because even with accident insurance for athletes, the insurance company may see an accident with completely different eyes than the insured. Many companies, for example, exclude injuries caused by “self-motion” – for example, when you bend yourself when jogging. Many insurance companies only see an accident as such when there is an outside influence.
The private liability insurance
Before concluding private liability, however, it must be clarified which sports are included in the policy and which are excluded from the outset. These are the so-called risky sports where the risk of an accident and correspondingly high follow-up costs is comparatively high. These risk sports include:
- water sports
- horse riding
- Mountain biking
Whether and which sports are ultimately excluded, can usually be read in the terms of the chosen private liability. If you are unsure, you should always contact your insurance company.
The disability insurance
Similarly, the occupational disability insurance excludes, similar to the private liability, various sports. These are usually extremely dangerous sports such as kickboxing and boxing, special equestrian sports as well as extreme motor sports. Even sports with extremely high risk of accidents are excluded as a rule.
In order to be able to insure the person concerned, an examination is carried out at most insurance companies. Only in this way can the individual risk for each individual be determined. The exam usually considers the following aspects:
- Is the person concerned doing sports at all?
- Which sport is it?
- How big is the accident risk of this sport?
- How often is the sport carried out?
In conventional sports such as football, jogging or handball, those affected are usually insured without any problems. If it concerns dangerous sports – for example, climbing or diving – is usually to be counted on a premium surcharge.
Make truthful statements
Those who do not provide truthful information during the test will risk their insurance cover. After all, the insured persons have to fulfill an obligation to declare – if hobbies are concealed, this duty is violated. In this case, the insurance cover can be omitted and the pension even denied.