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Yachting is a professional Olympic sport. The key to winning sport yacht races is constant training and skill improvement, which can often lead to accidents.

In order to be able to receive material compensation in the case of NA, each athlete needs sports insurance for yachting, which covers all the main risks in this sport.

What is covered by yachting insurance?

Yachting insurance covers all sports injuries occurring during competition, training or training camp during the insurance period.

Our service offers to issue a policy with “Whole World” insurance coverage for any age group of athletes, for children our service has developed a package with insurance coverage 24/7.

Let’s take a closer look at what risks are covered by insurance for yachting:

  • Any injuries in case of an accident (hereinafter referred to as HC);
  • Complete or temporary incapacity due to illness, NS;
  • Disability caused by NA;
  • Hospitalization due to illness, NS;
  • Surgery for NA or illness;
  • The onset of a critical illness;
  • Burns as a consequence of NA;
  • Death due to disease, NS.

These insured events imply reimbursement of insurance compensation. The amount of material payment is calculated according to the table, you can find it on this page.

Types of insurance for yachting

In the Sport. insure service, both professional athletes and amateurs can buy insurance.

Our service offers yachtsmen several types of insurance for yachting, namely:

  • Insurance for one competition;
  • Insurance with annual coverage;
  • Children with round-the-clock insurance coverage;
  • Insurance for travel to competitions or fees abroad.

Each type of insurance has insurance coverage in any of these countries.

A package of insurance services with round-the-clock coverage was developed especially for children. Such insurance for a child covers not only injuries received during training or competitions, but also accidents in everyday life.

When practicing yachting only for the duration of the training process or competitions, you can issue a standard accident policy, or TCD insurance with coverage for outdoor activities, the validity of the insurance is limited to the duration of stay in the country.

Injuries and causes of injury during a yachting

Sport as a professional occupation is often the risk of injury. Regular training and competition create enormous stress on the athlete’s body, as a result of which any incorrect movement can lead to NS.

When practicing yachting, athletes are mainly faced with:

  • Sprains;
  • Tears of muscles and ligaments;
  • Dislocation of the joints;
  • Ruptured meniscus;
  • Injury of the hip joint;
  • Fractures;
  • Contusions of soft tissues;
  • Traumatic brain injury.

In the most frequent circumstances of the injury, doctors of sports organizations consider the violation of the schedule of loads, as well as deviations from the requirements of safety and discipline. But even following the regime and all the rules cannot provide an athlete with the absence of occupational diseases and injuries.

Injury to yachtsmen – sometimes one awkward movement is enough, for example, in bad weather or in uncomfortable equipment. It is for this reason that coaches and sports mentors strongly recommend taking out insurance for yachting, which makes it possible to receive material compensation commensurate with the degree of injury in order to be able to pay for rehabilitation procedures and get help for the period of incapacity.

What to do in the event of an insured event

In the event of an accident, the athlete or the person in charge is obliged to urgently seek medical help. After discharge from the hospital, you need to take a certificate-extract of the sample established by S.K., collect and prepare the remaining documents proving the fact of the occurrence of an accident and contact the insurance company for payment.

The list of required documents, as well as a step-by-step algorithm of actions, is published on the Insured event page.

Yachting insurance payments

Payments for insurance for yachting are calculated necessarily taking into account the severity of the injury, the treatment carried out and the package of insurance services. In case of receiving a disability group of 1 – 2 groups or receiving irreversible incapacity, as well as the death of an athlete, the payment will be 100% of the insurance amount.

Also, the full amount of insurance will be received by a minor athlete who has been given any group of disabilities. In case of short-term incapacity, as well as the risk of hospitalization, the payment is made on days of treatment and is calculated as a percentage of the amount insured.

For other risks, the amount of compensation is calculated in accordance with the table of insurance payments.

Electronic yachting insurance

In accordance with the legislation of the Russian Federation, insurance for yachting in electronic form is an official and absolutely legal document that entitles the insured person to reimbursement of insurance compensation under the contract.

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