Sports and Health Insurance: If I get injured, do you get a refund?

To Danger Posted: August 3, 2022 14:37 | Updated August 3, 2022 14:37

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You play sports, but don’t know if you’re covered in case of injury? This article is for you! Whether you practice as an amateur or a professional, your health insurance may not cover the cost in case of injury. In addition, high-risk activities and extreme sports are usually excluded from standard insurance coverage. Therefore, you may need to take out certain insurance. So under what conditions are sports injuries covered?

Alea experts Exclusion list Most common among insurance companies, according to our research Global Boopa Unconditionally support sports injuries!

Our advice

Sports-related injuries and accidents are usually covered in the following situations:

  • -You do not do this activity as an expert
  • -Sports are not considered dangerous
  • -Scuba diving is limited to depths less than 30 meters
  • -Winter sports are not off the slopes

Sports-specific conditions and exclusions


Conditions and disclaimers

Etna Pioneer

Aetna may practice sports as an expert (that is, exercise one or more sports that are paid and are a major source of income), or one of the activities below it for professional or recreational purposes. If done in, it does not cover healthcare. Basic:

1. All kinds of motorsports,

2. Use of weapons or firearms,

3. Mountaineering, cave exploration, mountaineering

4. Trekking at altitudes above 2,500 meters,

5. Scuba diving or snorkeling (unless you dive to a depth of less than 30 meters and have the appropriate PADI qualifications or are accompanied by a qualified PADI instructor)

Prima ALC

ALC Prima does not apply to injuries under the following conditions:

-Jump, cliff jump, unlicensed or fly as an apprentice, martial arts, mountaineering, mountaineering with or without ropes, scuba diving at depths of 10 meters or more, at altitudes of 2,500 meters or more Trekking, bungee jumping, canyoning, hang gliding, paragliding or ULM, parashooting, cave exploration, off-piste skiing, or other winter sports performed in off-piste.


April My Health will not cover the cost of care if:

1. Practice of professional activities (full-time or part-time)

2. Climbing and trekking at altitudes above 3,000 meters, cave exploration, off-piste alpine skiing, motorsports, sightseeing boats on boats aimed at traveling above 30 knots, injury meters from 12 or more scuba diving exercises, Deliberate danger except for aerial activities (if you are a passenger and you have not paid for your seat) or for the purpose of saving lives.


There are no exclusions related to sporting activities

Cigna Global

Cigna Global does not cover the following costs:

1. Practice of sports activities at the professional level.

2. Engaging in dangerous sports or hobbies including, but not limited to, off-piste skiing, cliff jumping and jumping, mountaineering or rock climbing, cave exploration, motorsports, horseback riding, bullfighting, parkers.

3. Solo scuba diving; where

4. Scuba diving to a depth of 30 meters or more, unless the beneficiary has the appropriate qualifications (ie PADI or equivalent) to dive to such depths.

Generali Choice

Generali Choice does not cover injuries for professionally practiced sporting activities, or for activities that include, but are not limited to, kitesurfing, mountain biking, mountaineering, and mountain biking. , Rock or cliff climbing, mountaineering, off-territory boating, motorsports, aerial activities and sports, bungee jumping, diving diving (without depth over 30 meters or valid PADI certificate), sports involving animals , Speed ‚Äč‚Äčcompetition, off-piste skiing (unless permitted in permitted areas).

Now healthy

Now Health offers jumping, cliff jumping, unlicensed or student flight, martial arts, rock climbing, mountaineering with or without ropes, scuba diving to a depth of 30 meters or more, trekking injury treatment. Does not cover. At altitudes above 4,000 meters, bungee jumping, canyoning, hang gliding, paragliding or microlights, parachuting, cave exploration, off-piste skiing, or other winter sports performed off-piste.

Are you playing sports and want to know more about your health insurance and injury treatment options?Email [email protected] today or call 26062668