The World of Sports Insurance

Athletes are usually people who enjoy excellent health but the truth is that the injuries are almost always aguardándoles around the corner so many have a good life or health insurance that covers their backs. If you also practice sports, you should seriously consider hiring one of these insurances. Now we explain why.

What are athletes insurances?

What are the most common injuries?
The injuries depend a lot on the type of sport that is practiced but in general sense, the most usual are the lateral epicondylitis, known as tennis elbow and the Epicondylitis media, which is also called Golfer's elbow. Other common problems are: knee and rotator cuff injuries, sciatica, concussion, and, of course, bone fractures.

Elite athletes insurance is much more specific

On the other hand, sports that represent a higher risk are rugby and lacrosse. In fact, it is estimated that approximately every 33 hours there is some player who is injured. Basketball players also do not escape this reality as it is estimated that in this sport occurs an injury every 71 hours. There are other sports, like boxing, that are even more dangerous as they greatly increase the odds of the athlete suffering permanent brain damage.

What are athletes insurances?
Currently insurance companies offer different policies for athletes. Basic Insurance offers a comprehensive medical coverage that includes from hospitalization costs to medication costs and the rehabilitation process. They also usually include compensation in the event of an injury or ailment. Some policies also have professionals who are trained to provide nutritional advice and even prepare an individualized training plan.

However, in the general sense, the most common insurances are those that cover the disability. The amount to be covered will depend to a large extent on each person but the essential objective of these policies is to guarantee the athlete a certain amount of money in case of a permanent or temporary disability that prevents him from doing his job.


Obviously, in elite athletes insurance is much more specific. For example, in the case of footballers, their clubs tend to hire millionaire policies to secure their legs as these are considered their main tools for work. On the other hand, tennis players tend to cover their arms while porters and car pilots are more concerned about their hands.

What about risky sports?
People who practice risky sports, such as paragliding, scuba diving, motorcycling, sailing, skiing or mountain biking, even if they do not do so professionally, should also have insurance. These policies cover accidents anywhere in the world and even include coverage that provides for the repatriation or transfer and accommodation of a relative to the site where the accident occurred. They also cover the costs of a possible bailout and the costs of an early return.