sports_insurance_policies_professional_athletes

A serious illness such as a heart attack or a tumour, a bad automobile accident, injuries during training or a brutal foul by an opponent on the field – news (delete "items") from the world of professional sport testify to the high level of risks in the professional as well as the private sphere of the athlete. For those involved, events such as these are associated with massive financial constraints as they can not continue pursuing their professional athletic career either temporarily or permanently. At the same time, the club is at risk of losing the capital they have invested in the players. Special HDI Sports Insurance policies allow professional athletes and clubs to protect themselves against the risks in accordance with their needs.


Overview of benefits

HDI Sports Insurance policies offer individual cover for sports disabilities as a result of injuries, serious illnesses, and accidents, even if they were caused by the athletes themselves. Young professional footballers can secure optimum conditions for their therapeutic treatment and for developing new career perspectives if they sustain disabilities.

  • Needs-based cover for temporary and permanent sports disabilities
  • Worldwide insurance cover 24/7 for the professional and private sphere

Professional athletes can protect themselves against the financial losses resulting from a sports disability with HDI Professional Sports Insurance – Individual Cover. The monthly payments can be tailored to meet individual needs on the basis of the agreed daily rate with a choice of starting date after 42, 60 or 90 days. In the case of a permanent health impairment, the affected athlete receives a contractually agreed one-off payment. During temporary stays abroad, an emergency phone hotline provides access to a range of assistance services 24/7, e.g. if transfer to a different hospital is medically necessary. Term life insurance can also be integrated into the agreed sum insured.

HDI Professional Sports Insurance Market Value Cover enables professional athletic clubs to protect themselves against the financial losses resulting from the non-availability of their athletes due to temporary or permanent sports disability. The key factor determining the level of benefit is the regular salary received by the athletes or the affected athlete´s market value if they sustain irreparable health impairments. The insurance protection also covers events such as a bus accident or a terrorist attack in which several insured people are injured or die at the same time. Term life insurance in the amount of the agreed sum insured can also be integrated if required.

Young, professional footballers in the U15 up to and including the U19 categories can also take out a comprehensive coverage concept for protection against the risks of accidents and illness with HDI Young Sportsmen. Wide-ranging service benefits such as treatment in a specialised accident clinic, payment of costs for physiotherapy and osteopathy, and fast access to CT and MRI scans guarantee the best possible care after serious accidents or injuries. If the affected athlete is unable to continue pursuing their professional career for health reasons, the special insurance solution opens up new career perspectives. A four-year training and study benefit amounting to EUR15,000 a year ensures the ideal start.


Highlights

Special insurance cover for professional athletes

Comprehensive insurance solutions for the best possible care and financial protection for professional athletes and clubs.

Individual protection for the risks of disability

Maximum flexibility for drawing up the contract ensures needs-based protection.

High level of cover provides protection through a parent company with a robust financial base

The proven track record of financial strength of the insurer allows for the provision of even higher sums of coverage.

Many years of sector expertise

Proven know-how thanks to market experience in the sports and entertainment industry of over 15 years.


Experts' tip

Competitive advantages achieved by value added

Take advantage of the health assessment for athletes carried out by HDI Global. Unlike other competitors in the market, past injuries do not automatically lead to risk exclusions.

Would you like to find out more about HDI Sports Insurance? Talk to one of our sports experts.