Does Health Insurance Cover Sports & Gym Injuries?

Gone are the days when only athletes and professional sports persons dedicated themselves to fitness. But what happens if they get injured because of these? This article talks about sports injuries and whether your health insurance covers them.

Read More

Get ₹5 Lac Health Insurance starts @ ₹200/month*
Tax Benefitup to Rs.75,000
Save up to 12.5%* on 2 Year Payment Plans
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
Close
Back
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    What are some Common Sports Injuries?

    Any person engaging in sports or fitness activities can easily suffer sports injuries. Without a doubt, this can cost you significantly depending upon the injury and treatment procedure. Take a look at some common gym and sports injuries:

    • Ligament tears
    • Muscle sprains
    • Muscle Pulls
    • Dislocated joints and bones
    • Abrasions
    • Knee injuries
    • Tendon injuries

    All of these injuries are very painful, need a lot of time and care to heal and can significantly affect your quality of life if ignored. What's worse, some of these injuries need a long treatment often involving surgeries and necessary rehab programs that cost significantly.

    Is there any Coverage for Sports Injuries Under Health Insurance?

    Anyone who has an active lifestyle can get injured. Be it due to gym, strength training, cycling, swimming or while playing tennis, these sports injuries are very much possible.

    However, the additional cost can cause considerable financial expenses and you may even find it difficult to continue with your fitness journey while fighting these expenses. This should not discourage you or anyone else to forget their fitness goals.

    Luckily, many mediclaim insurance plans cover such sports and fitness-related injuries. Thanks to standardised definitions and clear exclusions, you can easily claim coverage for many of these injuries. However, knowing the exclusions of your health insurance policy is very important.

    What Sports Injuries Are Covered by Health Insurance?

    Most health insurance companies don't cover any injuries due to hazardous or very dangerous activities such as scuba diving, racing, or mountaineering. Since regular people like us don't fall under this category, most sports or gym injuries will be covered by health insurance.

    One thing to remember here is that OPD or outpatient costs are not covered by most health insurance companies. Gym injuries are usually minor injuries in muscle and ligaments that are paid out-of-pocket and usually not covered by a health insurance policy.

    Therefore, ligament tears, physiotherapy, fractures and minor strains are not covered under the health insurance policy. The only time these costs are covered is when you've been hospitalised or these OPD costs are part of the recovery process post-hospitalisation.

    Are There Any Health Insurance Plans for Gym and Sports Injuries?

    There are several health insurance companies in India offering cover for sports injuries if you're hospitalised. Even several personal accident insurances or critical illness insurance will cover some sports-related injuries.

    There are also some specific health insurance plans that only cover injuries caused due to sports or gym activities. These plans cover several injuries including ligament tears, bone fractures, and other complications depending on their policy wording.

    Similarly, many travel health insurance plans offer optional coverage for adventure sports while you're abroad. However, the coverage varies from insurer to insurer and you should know what kind of injuries are covered during these sports.

    Things to Remember before Raising a Claim for Sports/Gym Injuries

    Before buying any health insurance policy, you should always read their policy wordings carefully. Before raising a claim, make sure to remember the following:

    • Sports injuries caused due to intoxication or other illegal substances are not covered
    • Common routine injuries such as sprains are not covered by most insurers
    • Sports like motorsports, cliff diving, hunting, and adrenaline air sports are not covered by several health insurance plans
    • Several insurers don’t cover injuries sustained in an illegal or non-registered fitness centre
    • Injuries during intramural sports events and tournaments are covered by a specific sports insurance policy, not regular mediclaim insurance
    • Injuries that occur due to an illegal activity won't be covered
    • Most health insurance companies don't cover any procedure that falls under the category of cosmetic treatment

    Over to You,

    An increase in health awareness has made many regular people into fitness enthusiasts who actively work out at gyms or play sports. However, this fear should not stop you from leading a fit and active lifestyle. With a comprehensive health insurance policy, you can easily claim benefits for sports-related injuries so that you can focus better on your fitness journey!

    Search
    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

    Health insurance articles

    Recent Articles
    Popular Articles
    Does Health Insurance Cover Monkeypox?

    25 Jul 2022

    Monkeypox is the latest disease to make its way to India while we...
    Read more
    List of Diseases Covered by Bajaj Allianz Health Insurance Plans

    05 Jul 2022

    Barely any person has remained unaffected due to rising health...
    Read more
    Annual Medical Check-ups in Health Insurance

    05 Jul 2022

    Regular health check-ups are important to keep a track of your...
    Read more
    Advantages and Disadvantages of Buying a Health Insurance Policy

    04 Jul 2022

    In India, healthcare is getting expensive with each passing day...
    Read more
    Health Insurance for Rural India

    24 Jun 2022

    Healthcare is expensive in India and is increasing with each...
    Read more
    Best Health Insurance Plans in India 2022
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Read more
    PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
    Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
    Read more
    How Senior Citizens can save Tax with Medical Bills u/s 80 D?
    Senior citizens can save on income tax by availing tax benefits on medical expenses under Section 80D of the Income...
    Read more
    Best Maternity Insurance Plans
    Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost...
    Read more
    Income Tax Slab for Women: Guide to Exemptions and Rebates
    In India, every person who earns beyond a certain limit is liable to pay income tax to the government. The tax...
    Read more

    top
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL