During their careers, athletes suffer countless injuries. Sometimes they may be pre-possible or unlikely injuries depending on the type of sport being exercised. In addition, the level of fitness that an athlete must maintain requires a lot of requirements and high effort that may also put them at risk. Some athletes may have to take risks, especially in competitive sports such as football, swimming, gymnastics, taekwondo, motor racing, etc., resulting in varying injuries that may cause termination or interruption of their careers for periods of time. These injuries cost sports practitioners very high financial costs that they may not be prepared for. Here lies the importance of securing sports accidents and its role in reducing the risk of injuries that prevent the development or completion of sports activity.
Effects of sports accidents
Sports accidents have different consequences and implications for those who are exposed to the accident, the most prominent of which are:
1.Personal injuries: Any physical injury resulting from the sports accident itself and not any other cause or illness is intended to result in:
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- Death: Any loss of life due to the physical injury caused by the sporting accident, the amount of insurance here is transferred to the person benefiting from the insurance contract, which is determined during the conclusion of the insurance contract.
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- Permanent disability: Physical injuries may result in the participant’s inability to continue his or her sports career so that there is no chance of improving the participant’s condition and return to activity such as paralysis and loss of body parts. This injury may be included in some insurance companies with the death in one coverage and within one chapter as both cases eliminate the sports life of the sports practitioner.
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- Temporary disability: This is the result when personal injury prevents the participant in sports activity from working for a long period of time but can return after the injury is removed, the participant receives the amount of insurance in the period when he or she is unable to work.
2. Medical expenses: The impact of the sports accident is also the medical expenses spent by the injured sports participant for the purposes of physical injury treatment, as the amount of insurance will be the medical expenses paid to treat this injury, such as fracture repairs, physiotherapy, rehabilitation, etc.
3. Benefit benefits during injury: These are the benefits incurred by the injured person as a result of the sports accident from financial expenses such as home care during the period of injury or other expenses such as childcare expenses and others that the injured person is unable to perform due to injury.
4. Loss of expected income: Sports injuries result in serious losses to the sports practitioner that may amount to the loss of the player to his sports club and what he expected to receive income or profits, and the damage may extend to the decline in the market value of the player in the field of sports. As for the sports club, he may be exposed because of the injury of one of his stars to lose matches and get out of the tournaments, so the club loses the returns that could have been earned from it.
5. Personal responsibility: Some sports accident insurance policies may include covering the personal responsibility of sports practitioners while participating in sports activities for bodily harm or damage to their property due to participation.
Sports accident insurance
Insurance policies include some conditions for sports accidents, as these accidents are required to be:
- Sudden and unexpected i.e. the athlete could not expect it, and the question of whether or not the sports incident may seem difficult in some sports as a result of the nature of the activity of this game and the movements and frictions it requires between the players.
- To be arising from a sports-related sports activity, including playing with the club and representing the state in national games and games. Training organized by the club and the sports federation also goes into the meaning of the activity.
