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.
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