Extreme sports is the passion of many sports people and it is their primary profession that they cannot give up or ignore because it is part of their life and their job. However, sports people who practice sports may be exposed to accidents that prevent them from working for a short or permanent period. Some of them may need to undergo surgery upon injury and physiotherapy to recover from the effects of the injury. Therefore they need insurance that guarantees them treatment and also the guarability of funds to cover life expenses if one of them is unable to work. Therefore, insurance on dangerous sports is very important for athletes as they are exposed to risks while playing sports. The insurance policy and the type of services it provides vary according to the severity of the sport and the extent of its impact on human health or the possibility of the athlete being exposed to an injury that temporarily or permanently incapacitates him from working.
Because this insurance is different, it needs more stringent conditions than the usual insurance policies to be able to provide service to the people who are entitled.
Dangerous sports are those sports that expose their practitioners to severe risks during their practice, and the severity of risks varies from sport to sport but may cause accidents in these sports, so practitioners of these sports must be aware of these risks well, pay great attention and take preventive and insurance measures to ensure safety and ensure a source of income when suffering an injury.
Such as :
Diving: divers always deal with the high pressure of the water and the dangerous challenges of the seas and oceans, so it is one of the most dangerous sports that endanger people's lives.
Skydiving: this sport is considered very dangerous as a person jumps from a high height and this exposes him to the risk of falling on something unsafe
Mountain skiing: this sport exposes its practitioners to the risk of avalanches or cold difficult weather
Mountain climbing: this sport is one of the most difficult sports where athletes are exposed to the dangers of weather and rugged mountains and may be seriously injured.
This type of insurance aims to provide financial protection for athletes in different sports that they practice, both in terms of medical insurance, as it saves money for surgery, injury treatment, and physiotherapy, and in case of an injury that prevents them from working or playing sports. This type of insurance provides protection and safety to sports people and allows them to practice sports safely and securely.
The conditions relate to the type of sports game and the percentage of risk to which the player is exposed and are determined based on several aspects such as
Experience: insurance coverage may affect the player's experience and skills, so insurance may require this information from you.
Health status: insurance requires periodic examinations for players of dangerous games, where they must be sure of their readiness to play.
Compliance with safety rules: in order for insurance to apply, it is required to maintain safety rules during play, such as wearing a helmet.
International insurance: in case you are traveling to play a dangerous sport, you need to make international insurance to ensure safety in case of injury.
Insurance costs depend on the severity of the sport that a person plays, as he needs more financial support when the risk increases, both in terms of treatment, where the probability and severity of injuries increase, or from the survivor of equipment repair, where the higher the equipment costs, the higher the repair costs, and the use of safety equipment may reduce the risk of injury and thus reduce insurance costs. Some games also have a civil liability to people or buildings and installations where their insurance must be ensured in the event of injury to a person or building.
Insurance provides various services determined by the type and severity of the sport such as
Personal insurance: this provides financial support to individuals in case of injury in terms of treatment, undergoing surgeries, and treatment.
It also provides financial support in case of incapacity for work or sports performance.
Civil liability: where the insurance is responsible for civil insurance in case of injury to people or buildings during the performance of sports.
Equipment insurance: sports equipment costs a lot of money, so its insurance guarantees you to repair it in case of injury.
Cancellation insurance: sports events cost a lot of money, but things out of control can cause them to be canceled, such as the weather, so cancellation insurance protects the organizations responsible for organizing.
You can contact Brokerage to learn more about extreme sports insurance, as Brokerage is known for its good reputation in insurance brokerage, which will help you reach the best insurance offer.