MediCompare provides insurance for sports teams whether you are professional, semi-pro or recreational. Managers and athletes can receive cover for things ranging from health conditions, injuries, sports equipment, training, travel, sports venues and more.
We are pleased to offer coverage for the following sports teams:
Sports Team Insurance - MediCompare
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Depending on the level of sports player insurance you choose your policy could include:
There is a lot to think about when arranging sports insurance whether for an individual or an entire sports team. If you need experienced professional help, MediCompare is here to help you compare health insurance. We work with a number of leading insurance companies in the country and are able to tailor a policy to suit your needs and budget.
Sports accident insurance only covers amateur activities not professionals. For these purposes, ‘professionals’ are those that earn over £10,000 per year from sport participation. This includes match referees and officials. (Source: Wikipedia)
Sports accident policies are designed for sports teams and people to cover certain accidental injuries incurred while participating in their designated sporting activities. They also can cover the travelling to and from matches, a training session, a competition or organised tour.
Sports Health Insurance, as opposed to Sports Accident Insurance, defines amateurs and professionals as those who receive any fee, donation or benefit-in-kind for participating in their sport during play, coaching, or training whether it’s at a club, county, national or international level.
Pre-existing Conditions Cover – This can be arranged when you apply for your policy. You may have the option of covering treatment for acne, asthma, diabetes, eczema, glaucoma, hay fever – rhinitis, hypertension, or psoriasis. For these, there will be an annual limit and usually a maximum limit over the life of the policy. For an additional premium, you can extend your cover for up to two pre-defined conditions.
Type of sport played – Is there a lot of physical contact? Is there heavy lifting involved? Those sports with more physical contact will be considered a higher risk to insurance firms. A fair rating system is in place that ranks Golf or Jogging as a category 1 while higher risk sports like Skiing or Skydiving are Category 4 sports. If you participate in two or more sports your premium will be based on the sport with the higher risk category.
Terrain – Where the sport takes place can affect price since some playing fields will be higher risk of injury and accident than others. For instance, an ice hockey rink and mountain biking can potentially cause more damage to participants than playing on a table tennis table or badminton court.
Occupation – Your line of work could influence your premium and some jobs that involve manual labour could make your more prone to back or leg injuries.
Group size – Policies which cover larger groups or teams may reduce the sports insurance premiums for every individual added to the policy.
Level played – Whilst this falls under amateur, there is a difference between levels and those with more competitive football or rugby may be at a higher risk of injury than those who play in a simple work league.
Participating in amateur or professional sports means can sometimes expose you to other members of the public – especially those played on public football grounds, schools, parks, leisure centres and roads.
In the event that a passerby or spectator is hurt during a sports match, they may take legal action and demand compensation if they feel that they have been unfairly hurt. For instance, a loose football hits an elderly spectator in the face or a stray cricket ball injuring a passerby.
By having public liability insurance for sport purposes, you are able to protect anyone else around you and this will pay for any damages to the victims. This also includes any damages to public property such as a cricket ball smashing a window or breaking a scoreboard – this cover can pay for any repairs and replacements involved.
Athletes and teams should have a good look through all the cover included in a policy because there are likely to be several things that they will not require. Have a think about the number of training sessions and games you play as this will allow you to match up just the right amount of cover.
A smart way to make a saving is to restrict your hospital choices. If you can use an NHS hospital instead of a private hospital, you can make quite a saving.
One of the most common ways to save money on any insurance policy is to take advantage of paying a higher excess. In the event that you need to claim, the athlete or team will have to pay the ‘excess’ which is a one-off fee and once paid, your insurer can pay you out for any medical bills or damages.
For Example: If you pay a £200 excess per claim and your treatment cost £5,000, you pay only the first £200. The insurance company would pay the rest (£4,800.)
By choosing to pay a higher excess than average, it is like saying that you are willing to fit more of the bill. But you hope that you won’t need to claim in the first place so you must agree to this at the beginning of the insurance term. But as a way of thanking you for agreeing to pay more, your insurer will lower the cost of your insurance significantly. The average excess paid for individuals across all insurance products is around £200 to £300 but you can choose to pay up to a maximum of £3,000.
