For friends who love sports, injuries seem to be inevitable.
From broken skin and abrasions to broken bones and fractures, they are all more torturous.
So, if we break our foot while exercising, will the accident insurance pay for it?
Let's talk about it.
Does accident insurance cover sports injuries?
We all know that accident insurance is a product that exists specifically to protect accidental injuries, so accident insurance can also be covered in terms of sports injuries.
For example, sprains, strains, fractures, muscle strains, etc., injuries in various sports can actually be covered.
However, we also need to determine whether an injury in sports is an accident.
Because the definition of accident in accident insurance must be sudden, foreign, unintentional, and non-disease.
Therefore, sports injuries may also be discussed on a case-by-case basis.
If the injury is caused by fatigue or mistakes, that is, it is not an external accident, it may not be considered an accident.
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However, if you are hit by someone else and you are injured, or if you fall due to rain while exercising, it is an accident.
Is there any accident insurance that is good for sports protection?
Most of the sports that can be covered by general accident insurance products are low-to-medium risk sports, such as running, cycling, ball games, indoor fitness sports, etc.
On this basis, the product that increases the protection for sports is sports accident insurance.
In addition to the accidental death/dismemberment and accidental medical benefits of the general accident insurance, it also provides benefits related to sports accidents such as accidental fracture and dislocation insurance benefits, accidental fracture rehabilitation allowance, accidental hospitalization allowance, accidental injury ambulance allowance, etc.
Of course, if it is for high-risk sports, there are also special accident insurance products that can be covered, but the premium will be much more expensive, and we ordinary people will not use it.
Moreover, the vast majority of ordinary accident insurance products are insured once a year and have to be re-insured every year.
The protection period of sports accident insurance is more flexible, even if it is a short-term protection period of a few days, half a month and a month.
So, we can even choose to take out a sports accident insurance product with only a few days of coverage before attending a sporting event or event.
We can take a look at a specific product.
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For example, for a certain sports accident insurance, the allowable age is 3-65 years old.
The insurance period is 3 days, 7 days, 14 days, 30 days, etc. In other words, the duration of the guarantee is very short.
Coverage includes accidental death/dismemberment, accidental hospitalization allowance, accidental fracture and dislocation benefit, accidental medical expenses, accidental injury ambulance expense compensation, etc.
Other benefits include sudden death, aviation accident death/dismemberment, land and water traffic accident death/dismemberment benefit, etc.
In addition to sports security, it also has other special guarantees, which are relatively comprehensive.
There are also products that only cover sports accidents without other protection, and the premium is also very cheap, with a minimum of 40 yuan to buy one.
This is more suitable for us to buy one before some large-scale events or events to provide short-term protection.
In general, if it is not a sports injury caused by oneself, accident insurance can be compensated.
If you like sports and sometimes participate in some large-scale events or events, you can consider buying a short-term sports accident insurance.
In this way, you can have a relatively complete guarantee.