The Affordable Care Act will ensure that no one can be refused medical insurance on the grounds of a pre-existing condition. While that could make insurance easier to come by for millions of Americans, those who regularly participate in dangerous sports and activities could still be refused coverage, face exorbitant premiums or have their claims refused. Unfortunately, there is no single answer to this question, as different providers will have different exclusions detailed in their respective contracts.
What Is a Dangerous Sport?
Again, the definition of a dangerous sport or activity is dependent on the insurance provider. It may be that a particular policy excludes certain named activities from coverage, so it is vital that you study the small print of a contract before signing up for coverage. A dangerous sport could be anything that puts you at a heightened risk of injury than would normally be the case, but this is a subjective point of view.
Scuba diving at a depth of more than 150 feet, for example, is usually considered a dangerous activity, as it accounts for around 150 deaths in America every year. Hang gliding, mountain climbing and sky diving are also usually considered dangerous by insurance providers, and participating in these activities will probably inflate your insurance premiums significantly.
Be careful during the application process, as failing to declare regular participation in these activities could invalidate your claim in the event that hospital treatment is required after an accident. Some providers will insist on a far higher deductible as a condition of coverage for dangerous sports, but that is the price you have to pay for exposing yourself to danger on a regular basis.
Does Travel Insurance Cover Dangerous Sports While Abroad?
Some sports, including sky diving, base jumping and mountain climbing take participants to some of the most stunning locations in the world. However, the majority of travel insurance policies will have specific exemptions from coverage, and injuries resulting from dangerous activities are usually included in those exemptions. This could leave you without cover for medical treatment, and if you’re in a country with a substandard state healthcare service, you run the risk of jeopardizing your recovery. Fortunately, there are some insurance policies and specialist providers that will offer coverage for named activities abroad that are considered to be dangerous. While they can be expensive, they will cover the cost of medical treatment in most cases.
If the dangerous activities you are taking part in are part of your job, there is a chance that you will have professional coverage, but you should seek clarification before taking it for granted. Insurance policies are highly complex legal agreements that usually have several exemptions, so it is important to get professional advice and guidance.
If you regularly take part in dangerous sports or activities and need advice or clarification on Kankakee health insurance issues, call HomeStar Insurance Services at 815-468-8763, and one of our experienced agents will be happy to guide you in the right direction.