Sunday, September 16, 2007

Sports Medical Insurance Coverage

Sports medical insurance coverage is available to protect children and adults involved in school teams, professional sports, or private leagues. This type of insurance can be purchased by a single individual or by a company that manages sport-related activity and/or athletic teams. Sports medical insurance may be appropriate for a variety of athletes, whether the participant is playing on a school soccer team or training for the Olympics

Just about every kind of athletic activity falls under the protection of sports medical insurance coverage. This includes the traditional sports like soccer, football, baseball, tennis, track and field, and volleyball. Plus, plans also cover athletes involved in martial arts, boxing, wrestling, or ballet classes. Even if one has a normal health insurance policy, they may choose to purchase additional coverage to cover co pays and out-of-pocket expenses. Some companies will offer special programs to cover children at athletic camps. That is one option to cover a short-term need with out purchasing an entire policy for the long term.

Owners of sports facilities need a different type of sports medical insurance to provide protection against lawsuits or legal problems. The risk of injury is high when children and adults participate in athletic events especially when the sport requires a lot of physical contact such as in boxing, football, or wrestling. Even spectators at events are not immune to injury when players or objects fly from the venue. Onlookers at hockey events in particular have suffered serious injury when an errant puck shot above the protective rink barrier. Sports medical insurance coverage can protect owners in the case some one was injured and wanted to sue for damages. With a solid plan, the injured victim would file a claim against with the company or provider and not with or against the business or facility. This provides protection against large payouts.

Like any types of health coverage, the sports medical insurance plans will have co pays and yearly deductibles. Once the yearly deductibles are met, depending on the agreements in the policy, the insurer will cover one hundred percent of the expenses related to injury. When comparing various options, individuals should evaluate co pay amounts and annual deductibles versus premiums. Assuming a higher deductible reduces the annual premium but raises the potential out-of-pocket expense one may face if an accident occurs. As with any major decision, one should carefully evaluate their needs and turn to the Lord for wisdom and guidance. "Teach me good judgment and knowledge: for I have believed thy commandments" (Proverbs 119:66).

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