What is sports insurance for a child and why it is worth registering

Each of us, of course, knows about the benefits of sports, especially for the children's body. However, do not forget that any sports activities are associated with a certain traumatism. To protect the health and life of a small athlete, parents simply need sports insurance for the child. "Rosgosstrakh", "Max", "Advant", "Ingosstrakh2" and many other companies have long expanded the list of their insurance products and are pleased to offer such a service.

Why do you need to make sports insurance?

Given that children are much more active than adults, and often simply can not sit still, many sports sections (even chess clubs) simply do not accept children who do not have an insurance policy. Thus, coaches at least partially relieve themselves of the responsibility for the injuries of their wards. Especially mandatory sports insurance for competitions, fees and various competitions and trips, because most often it is in the "pre-competitive" euphoria that children completely forget about caution.

Traumatism is present in any sport, so it is fundamentally wrong to believe that if your kid is fond of checkers, he does not need insurance. So if you value the health and safety of your child, you need to make out a policy. Especially since this type of insurance is provided already from the age of two. The main thing is that the child attend classes at least once a week.

What does such insurance cover?

Of course, each parent, giving the child to this or that section, seeks to choose a sport that is not only interesting to the child, but also would be of low trauma risk. Nevertheless, the most popular sports are the most traumatic. It is this disagreement that is called upon to decide the quality sports insurance for the child.

It is generally believed that men's sports are more traumatic than women's, but this is not the case. Of course, football or hockey suggests increased activity, which is fraught with falls and fractures, and about contact sports - karate, boxing, aikido, sambo and others - and there is no need to talk. But girls in this matter also do not lag behind: figure skating, acrobatics, gymnastics, ballroom and sports dances - this is far from a complete list of sports that occupy the leading positions in the list of the most traumatic.

Additional items

If the young champion goes to competitions in other cities or even abroad, sports insurance for the child must necessarily be expanded by additional items. There you can include the arrest of seizures for chronic diseases, search and rescue, travel and accommodation of one of the relatives in the event that the child has an emergency situation, transportation of the patient to the place of permanent residence, evacuation by helicopter and others. The cost of the policy increases slightly, but parents can be calm: if anything happens, their baby will not be left alone with one nuisance.

Cost of sports insurance

Probably, one of the main questions that parents are interested in is how much sports insurance for a child will cost. The cost of it in each case is calculated individually and depends on many indicators.
Here are some of them:

• First of all, the price of a policy depends on the kind of sport the child is engaged in - the more dangerous, the more expensive.
• The term of the policy - it is important, how many days the insurance is issued. The policy can be issued for the whole year, and you can additionally protect the child for only a few days, for example, during the competition. Clearly, the shorter the term of the policy, the cheaper it is.
• Sum insured - it is important to understand that the more you pay for a large payment in case of injury, the more expensive you will have to pay for insurance.
• Coverage area - the cost of insurance, which is valid only in Russia, is much less than the price of the policy for those leaving the country.
• Age of the child - usually the younger the child, the more parents will have to pay for the insurance.
• The cost of the policy is also affected by additional items included in it, such as, for example, treating injuries received using expensive equipment.

Features of the contract

If you decide that sports insurance for a child is a simple matter, then you are mistaken. Do not rely on the integrity of the insurance organization manager. Before signing the contract, carefully study it. Particularly carefully study those items of the contract, where conditions are prescribed, in case of violation of which the payment of compensation you will be refused.

For example, if an athlete, in violation of the requirements and warnings about the danger, continues his studies and is injured, he will have to be treated at his own expense.

Pay special attention to the point about the detection of alcohol in the blood. Of course, every parent is sure that his child will never drink alcohol, but practice shows that teenagers, having escaped from careful control (for example, when traveling to competitions in another city), sometimes allow themselves unnecessary.

Also, be sure to pay attention to the amount of the deductible - this is the minimum amount that is excluded from the total payout. For example, if the franchise is 1000 rubles, and the child's treatment cost 900 rubles, then the insurance company should not pay anything at all.

How to get paid

What if you already have sports insurance for your child - RESO, Renaissance, Rosgosstrakh or any other company? How to act if your child is injured and what documents need to be prepared?

First of all, when getting any injury, you need to immediately seek help from a doctor. The doctor must be sure to fix the accident and give you a certificate that will be needed to receive the payment.

After that it is necessary in the near future - usually within no more than 3 days - to notify the insured about the incident in any way available to you. Employees of the company will advise you on further actions and will prompt you which documents you need to prepare. Most often this list looks like this:

• Application for payment;
• Insurance policy or a copy thereof;
• A civil passport of one of the parents (the policyholder);
• The birth certificate of the child;
• INN of the beneficiary and details of the bank account to which compensation will be transferred.

If the athlete is injured incompatible with life, also a death certificate (original + copy), plus the doctor's opinion on the cause of death. When establishing any group of disabilities - the doctor's conclusion about the reasons for receiving it, as well as a copy of the help of the MCEC certified by the notary.

In addition, you will need all checks for medications, medical services and any other documents confirming the expenses that you incurred in connection with the occurrence of the insured event.

Choosing an insurance company

This is one of the most important items that you should pay attention to if you need sports insurance for your child. AlfaStrakhovanie, RESO-Guarantee, Ingosstrakh, Renaissance, Liberty - which company to choose? Of course, the choice of an insurance organization should be approached very seriously. Before signing a contract, do not be too lazy to collect more information about the insurer. Here can help reviews of friends, Internet users in various forums. Particularly carefully study negative comments, because it is often in them that you can find information about various pitfalls. Visit several offices and carefully study the proposed conditions.

Sports insurance for a child is a very important and important matter, therefore it is worthwhile to entrust it to professionals. A quality policy will help parents feel calmer, and a young athlete will give confidence.