| Sports Health Insurance and Exclusions [message #70541] |
Tue, 20 April 2010 12:00 |
bonita dumaplin
Messages: 1
Registered: April 2010
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Junior Member |
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Sports health insurance is mostly for the avid amateur sports
participant. Most of the time, though, it is becoming increasingly
difficult, this can be purchased through the college or university you
are enrolled. The students with a need for the school sports health
insurance package can contact the Bursars office for further
information and details.
This is a good idea because the low cost health insurance the parents
have had for years probably does not include a clause for sports
related activities especially if you want to participate in a given
sport. Most insurance companies put up the red warning flag when they
hear sports activity is entering the picture, sports activities like:
1. Diving teams and baseball teams
2. Football teams and Fencing teams
3. Wrestling teams and Mountain Biking
Young adults and their parents must try to understand that the more
health care coverage they require the more the annual insurance policy
will cost and is does not begin at an inexpensive level. It really is
a shame in many ways because some individuals are beginning to believe
the health insurance companies along with the government are trying to
dictate the behavior they each want you as an individual to display.
Are you then in a sense, being punished because you enjoy football,
baseball, soccer, and other sports related activities? Yes, when young
adults participate in school sports on any level they are eventually
going to sustain injuries. You could say that it goes with the
territory, but school sports on all levels are very carefully
monitored. These young adults do not play as the professional sports
participants. It is very unfortunate that the health care industry
chooses to address this issue as if they were professionals.
The young adults and their parents must take responsibility to
understand what is written in the health insurance policy before they
decide to sign and accept the terms as they are. It may take a day or
two to read the health insurance policy through, but it will save time
and grief later.
These are still young adults playing in a structured activity and the
health care professionals need to more accurately establish what the
recovery cost for various injuries will cost. A few of the exclusions
that are listed on the health insurance policy that the insured needs
to pay very close attention to are the following examples.
1. Protective equipment must be worn correctly at the time of
injury
2. If a sustained injury occurred before the health insurance
policy was in effect
3. The time and place of the injury, incase it was not sports
related
4. When drugs and alcohol are proven involved
5. No coverage for any pre-condition before the twelve months to
eighteen months
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