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Hazardous Pastimes |
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· 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 planholders 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. Some plan companies won't even consider covering sporting activities of applicants participating frequently in more hazardous pastimes even for more premium. One should declare fully all anticipated pastimes to include those activities that may be considered more hazardous than average. A couple plan companies may provide full coverage on all non-professional sporting activities without charging an additional premium. Others will consider covering some of activities and exclude others. Professional sporting activities may be considered by a very few Plan Companies based on disclosures made. It is best to declare and describe in some detail the activity, frequency, level of attained proficiency and experience in terms of time having been involved in such pastimes. 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 activities inaccurately or incompletely therefore not providing the Plan Company with needed information to pre-evaluate the risk fairly, future claims may be rejected. Failure to disclose material information on an application for medical insurance subjects the policy to cancellation. Also, remember if your pastime activities change materially you should inform the Plan Company so any necessary change to your coverage can be made. If in any doubt, simply make full declarations. |
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OMNI is an active member of: American Chamber, Canadian Chamber, European
Chamber, Australian-New Zealand Chamber, Lighthouse Club, Le Club, British Business Association. |
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