· Basic recreational non-professional
sporting activities are covered by most companies
· More hazardous recreational sports can be covered if fully
declared & accepted
· Some companies may charge additional premium and some may
not
International Medical Insurance and HealthCare Plan firms usually
cover group plan members participating in basic recreational sporting
activities such as handball, tennis, soccer, swimming, golfing, hiking,
water skiing, racing on foot and others of similar risk. However,
other more hazardous pastimes such as scuba diving, mountaineering,
racing other than by foot, motorcycling, snow skiing, parasailing,
hangliding and similar types of risks are usually not covered unless
declared and accepted by the plan company. Also, acceptance may require
an additional premium. Groups get more consideration.
Some companies won't even consider covering sporting activities of
individual applicants participating in more hazardous pastimes except
as part of a group. Members should disclose all anticipated sporting
pastimes to include those that may be considered more hazardous. If
not fully disclosed by them, the activities of those individual members
failing to do so may be excluded from cover. If any doubt declare
and describe them to include frequency of activity and experience
attained. Of course any incidents of medical claims in the past 2-3
years should also be disclosed. If discovered that one knowingly declared
and described pastime activity inaccurately or incompletely therefore
not providing the Plan Company with needed information to pre-evaluate
risk fairly, future claims may be rejected. Failure to disclose material
information on an application subjects the policy to cancellation.
If pastime activities change materially inform Plan Company so any
necessary change to your coverage can be made.
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