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Insurance comes in handy when the injury is more severe and requires hospitalisation. The fact that the cost of treatment of most gym injuries is out of pocket is okay because these costs are not very high and the expenses won't pinch that much. In those cases the cost of OPD or physiotherapy will be paid for by the health insurance company. The exception is if physiotherapy or OPD expenses are needed before or after hospitalisation as part of the recovery process. This means that you will need to pay for minor strains, ligament tears, physiotherapy, and even fractures yourself even if you have a health insurance policy. However, a key point in several mediclaim insurances is that outpatient (OPD) costs are typically not covered. Most of us do not fall in this category which means that our health insurance will cover any hospitalisation or day care procedures due to injury, even if because of sports or caused in the gym.
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Today, the only sports related exclusion allowed in a regular mediclaim insurance is for professional sports persons and that too in hazardous activities like racing, scuba diving or mountaineering. Mediclaim insurance: Over the years the insurance regulator has significantly reduced health insurance exclusions and standardised definitions. Also, be clear about what insurance will pay for. Identify hospitals that you can go to quickly and doctors that can treat you. The best way to reduce injury is to be careful. Fortunately, most sports injuries are mild sprains, muscle pulls and abrasions.
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A polo player I know often needs surgery because of match injuries. There are instances of healthy people collapsing on treadmills.
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Injuries occur in gyms, swimming pools and playgrounds. Prior to the pandemic, a large cause of accidents in Delhi was children playing on trampolines at birthday parties. A young athletic schoolgirl in my daughter's school had a major ligament tear that left her in crutches for months. So, if you are someone who leads an active lifestyle or are a gym-goer, you should be clear about the types of sports injuries possible and which of those are insurable. Having the right kind and amount of mediclaim insurance will save considerable financial heartache. You may never know the surprises life will throw. So, my first recommendation if you do not have health insurance is to buy one right away. In hindsight, I should have bought health insurance much earlier. Fortunately, I worked for a company that picked up the expensive tab. I had to immediately rush to Kolkata for a surgery and then to Hyderabad for a month-long treatment.Īlthough I recovered well, I had no insurance to pay my costs. But the truth about sports injuries struck home (literally) about two decades ago when I hurt myself playing squash in Jamshedpur. An early memory of such an injury was when Mary Decker, top seed US runner, fell grievously in the 3,000 km sprint at the 1984 Los Angeles Olympics. I used to think that only professionals and athletes in highly competitive sports suffered serious sports injuries.
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