All about Health Insurance coverage against Sports Injuries

By Kapil Dwivedi
  | Published: 09 February 2021

Don’t gamble with your health, get the right cover at the right price.

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Physical activities in any form are an absolute must for each one of us considering the modern-day sedentary lifestyle and habits. Whether it is hitting the gym or playing sports, exercising is not just good for your body but also for your mind. 

Training your body has numerous positive impacts that improve the overall quality of mental and physical health. However, with progressing age the chemistry and agility tend to change which increases the probability of getting injured. The intensity of injury might vary based on the event, but there is a possibility of severe repercussions if left untreated. 

The cost of medical treatment in the UAE is very expensive which makes it imperative to have a health insurance policy. Getting treated without insurance can burn a hole in your pocket and disrupt your budget extensively. Most of the health insurance plans in the UAE do not cover sports injuries. Now, the question arises how do we take care of the expenses incurred in the treatment of sports injuries? 

A lot of you might think that your official health insurance plan will cover the expense of sports injuries. However, in reality, corporate health insurance policies do not provide coverage for cosmetic procedures and sports injuries. So, what’s the solution to this? How do we take care of the cost of treating sports injuries? To answer all your queries and guide you through this, we’ve come with a new blog where we will decode medical insurance and sports injuries. 

Cost of Treating Sports Injuries

As mentioned earlier, the medical infrastructure in the UAE is one of the best in the entire world as a result of which the cost of treatment and medical facilities is quite expensive. In order to provide you a detailed insight into the cost of sports injuries in the UAE let us consider a real-time scenario. 

Shane Wilson, a 36-year-old IT professional migrated to the UAE 7 years from the UK in search of better opportunities. He established a business which turned to be very successful. However, in the midst of the process of setting up his dream business, he gained a lot of weight. This intrigued him to hit the gym and follow a strict fitness regime.

During an intense leg workout session, he injured his knee tendon and calf muscle. The injury was extremely painful and when he visited the practitioner, he was told that he is not allowed to work out for at least 90 days. Furthermore, his injury would require a small surgical procedure which along with other expenses costed him around AED 25000. 

As Shane’s health plan did not provide coverage against sports injuries, he ended up paying the entire amount from his savings which impacted his budget and caused inconvenience.

Understanding Exclusions under Health Insurance 

An exclusion in terms of a health insurance plan is defined as an event that will not be covered by your policy. Different health insurance plans have different exclusions that are policy specific. In order to find out the exclusions and inclusions of a health plan, it is important to go through the fine print of the policy. Alternatively, you can contact your health insurance provider for detailed insights. 

Similar to any product there are numerous terms and conditions when it comes to sports injuries coverage under health insurance plans. Generally, adventure sports such as rock climbing, skydiving, river rafting, are not covered by health insurance plans in the UAE. For instance, fractures happening while soccer will be covered under Mediclaim policy, on the other hand, the same injury caused while indulging in an adventure sport will not be covered.

Availing Coverage for Sports Injuries under Health Insurance

Sports injuries are common and seeking treatment is expensive. In order to stay on the safe side and make sure your budget is not wrecked it is vital to get the right health insurance that provides coverage based on your needs. 

Your current health plan might not cover sports injuries or cosmetic procedures or hair transplants but you can contact your provider to customize your plan. Different health insurance providers have come up with the option of tailoring their base plans so that the customer gets features based on their needs. 

The best way to avail coverage for sports injuries under health insurance plans is to talk to your provider. You can contact your provider to customize your plan so that you get what you want, and not what the provider offers. You might end up paying a little more but that way you will save money when you need medical treatment. 

In a Nutshell

A health insurance policy is imperative for you and your loved ones to counter the strokes of uncertainties on the trail of life. Choosing the right health insurance should be based on your needs whether it is a sports injury or cosmetic procedures. Sports injuries are common but you can prevent them by proper stretching and warm-up. However, if you get injured your health insurance policy will cover the expenses provided you have the right plan.