662
4 min read
Updated on Dec 15, 2022
Staying physically fit is the utmost criterion to lead a healthy and disease-free life. Thus, nowadays, many people are visiting gyms or opting for sports activities to maintain their fitness. But whether you are a sportsperson or a fitness aficionado, you must be aware that accidental injuries can happen anytime while practicing sports/gym activities. By adopting the right strategies, you should safeguard yourself against such untoward events.
People purchase health insurance policies to protect themselves against various life-threatening diseases. The popularity of health insurance plans is surging especially after the devastation of the COVID-19 pandemic. But does the best health insurance cover sports and fitness injuries? Let’s dig deeper.
People who are associated with sports and fitness activities are more prone to getting various injuries. Depending on your injury type, you may need to spend a humongous amount for the treatment. Some popular types of sports and gym injuries are,
All these injuries could give you excruciating pain and affect your activities if you don’t pay attention to them. The treatment could be time-consuming and expensive. Sometimes, you may need rehabilitation programs to overcome these injuries which will again raise your treatment costs.
People who actively participate in gym/sports activities may get injuries at any point in life. Exercises like strength training, cycling, swimming or playing tennis or football or some adventurous sports activities will enhance your chance of getting these injuries.
The treatment expenses will certainly burn your pocket and will give you additional financial stress while dealing with these injuries. But this doesn’t imply you should ignore your fitness regime.
You must be astonished to know that many mediclaim insurance plans offer coverage for these types of sports and gym-related injuries. Though there is some exclusion, still, you can initiate a claim for many of these injuries. But before investing in a health insurance policy, you should have adequate knowledge regarding this exclusion.
Health insurance plans don’t offer coverage for high-risk sports activities (adventurous) like rock climbing, scuba diving, racing, paragliding, etc. Normal people are not adventurous and hence, they used to participate in these activities once in a lifetime at their own risk. Apart from these activities, other sports injuries are covered by health insurance.
But you also remember that health insurance plans won’t offer coverage for OPD or outpatient costs under this category. Gym injuries are small muscle/ligament injuries which you need to pay from your pocket. Thus, a health insurance policy will not be suitable for gym injuries.
This indicates you don’t get any financial coverage for ligament injuries, physiotherapy, fractures and minor sprains from your health policy. You will only get reimbursed for these costs if you need hospitalization for your treatment or if these OPD expenses are included in the recovery process.
Read More: Does Health Insurance Cover Accidental Injuries in India?
In case of hospitalization, many Indian health insurance providers offer coverage for sports injuries. Even many personal accident insurances or critical illness insurance policies reimburse the costs of sports injuries.
The markets are crammed with some customized health insurance plans that will specially cater to the needs of sports/gym injuries. These plans offer you coverage against various injuries such as ligament tear, bone fractures, and other injuries as per their policy wordings.
When you are in some other country, many travel health insurance policies will embrace you with optional coverage for adventure sports. But the coverage is not the same for all policies. So, before purchasing a policy, you must be aware of what type of sports injuries are covered under your selected policy plan.
Always go through every tiny detail of the policy before making any financial commitment. Read the policy wordings cautiously. Before initiating a claim from your insurer, remember the below-mentioned things.
After the gruesome COVID-19 pandemic, people have started to give priority to their health. Many of them are hitting fitness centers or participating in various sports activities to improve their endurance and fitness. Injuries and accidents are more common when you are leading a super active life. But this fear shouldn’t overpower your fitness regime. By purchasing a comprehensive health insurance policy, you can stay protected from various sports injuries and may lead a healthy life.
Find the post informational? Browse PayBima Blogs to read interesting posts related to Health Insurance, Car Insurance, Bike Insurance, Term Life Insurance and Investment. You can visit PayBima to Buy Insurance Online.
PayBima Team
PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
Thyroid Stimulating Hormone, which is commonly known as TSH is a hormone that maintains the functions of the body’s nerve along with the overall energy.
The threat of yet another virus hits India. This time it is H3N2 Influenza Virus, which is a sub-type of influenza A virus that is.
There has been a huge price rise or inflation seen across sectors, especially the healthcare sector in India in recent times. Let us take a.
Ayushman Bharat Yojana is a health insurance policy offered by the government of India with the aim to present free access to health insurance for.
‘Health is wealth’ is not just a saying, it’s a fact, which people realize when they fall sick. Yes, good health is the most important.
LASIK eye surgery is a surgical process that rectifies any issues related to vision. The cost of the surgery varies depending on the city, the.
Some situations in our life are beyond our control, and one of them is falling sick. No matter how hard we try, we may end.
We all know the importance of health insurance for taking care of hospital bills and medical needs. Let us take a look at some of.
The key function performed by the kidney is to filter blood which flows through each of our body organs. Hence the safety of the body.
Some major changes were announced recently in the Mahatma Jyotirao Phule Jan Arogya Yojana, the Maharashtra health scheme launched in 2012. Let’s take a look.
Speak to our advisor
Corporate Office : Mahindra Insurance Brokers Ltd ( A Mahindra Group Company ) Sadhana House, Ground Floor, 570 P. B. Marg, Behind Mahindra Towers, Worli, Mumbai 400018.
Licenced by IRDAI License No. 261; License Validity : 17-05-2025; Category : Composite Broker; CIN : U65990MH1987PLCO42609 Member of Insurance Brokers Association of India (IBAI).
Insurance is the subject matter of solicitation.
For a seamless experience, use the latest version of Chrome/Firefox/Internet Explorer.
Copyright © 2023 Mahindra Insurance Brokers. All Right Reserved.