Football is a fascinating and at the same time a dangerous pastime. According to the statistics of the accident insurers, every ninth accident insured accident happens during sport, every third of them happens again during football. Ankle and knee joints, muscles and ligaments are the Achilles heel of many footballers – oh yes, for some the Achilles tendons are also included. And fractures make up more than a quarter of all injuries. That is why it is important to be well insured.
Club Players Are Usually Insured Through Their Club
Those who play in the club are often covered by a sports insurance policy from the club, which usually also includes private accident insurance. In the event of permanent damage, it pays a sum of money in the agreed amount – regardless of the actual financial damage or benefits from other insurance policies. There are also other benefits, such as the daily hospital allowance.
But what is the sum insured? And what benefits does the club’s policy include? And does it also offer rehab management so that the injured athlete can quickly get back on the field? These are all questions that recreational footballers should definitely ask in order to decide whether a private accident insurance is also useful as a supplement.
Private Accident Insurance Is Recommended For Everyone
It is always recommended, as the club’s sports insurance only takes over in the event of injuries during training or competitive games. The private accident insurance is different: It also covers accidents outside the club area – worldwide, around the clock and in all situations. So also on vacation, if something should happen while playing soccer on the beach.
Checklist: What To Do After An Accident
- A doctor should be consulted immediately after an accident.
- If it is foreseeable that the injury will lead to a benefit, the club’s insurer must be notified. At the same time, the injured person should – if available – inform his private accident insurer.
- Important documents, such as medical reports, should be submitted quickly.
- If it is necessary for the calculation of the benefit, the insurer will appoint additional doctors. The insured person must be examined by these.
“The golden world of professionals seen from below. From the perspective of those who stopped on their doorstep, a dream broken by a series of injuries that made them miss the train of glory and money. How many boys have had to content themselves with a career minor because at the moment of taking off an injury kept them away from the pitch for too long or did not even make them come back to the way they were before?
By the code rules and by the special ones on subordinate work (such as the Workers’ Statute) as well as by collective agreements, non-professionals, although they can establish a remuneration for the performance of their sporting activity, are not bound by any employment relationship, subordinate or autonomous that it is. For this reason, if the professional, as an employee, receives the protection reserved for subordinate workers, the amateur, whose sporting performance is not considered work, does not obtain this protection. subordinate or autonomous that it is. For this reason, if the professional, as an employee, receives the protection reserved for subordinate workers, the amateur, whose sporting performance is not considered work, does not obtain this protection. subordinate or autonomous that it is. For this reason, if the professional, as an employee, receives the protection reserved for subordinate workers, the amateur, whose sporting performance is not considered work, does not obtain this protection.
In specific compensation for any type of injury suffered on the playing field during official or friendly matches and during training sessions, as well as during transport for matches or official training. All this also because the injured player, especially when he is long in hospital, often no longer receives those travel allowances, flat-rate reimbursements of expenses and various prizes agreed with the company in exchange for his sporting practice.
“And, on the other hand, since there is no working relationship with the company, the accident cannot be considered an illness or an occupational accident, indemnifiable by social security or which the company must bear. This is to say that except for rare cases cases in which the club, despite not being held, is responsible for the medical expenses incurred, due to a moral obligation, the injured non-professional player is therefore often left to himself, having to be treated at his own expense, possibly with the promise, by the club, which in case of complete recovery could be reinstated in the team.Therefore, this insurance is welcome that at least can alleviate the pain if not physical at least economic suffered by the player with the injury.