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Activity Lifestyle Insurance Cover

  • Post category:Protection

For those who lead an active lifestyle, having the right insurance coverage is essential to protect against unexpected injuries. Activity Lifestyle Insurance Cover is designed to provide peace of mind for individuals who engage in physical activities, ensuring they have the financial support they need in case of accidents. Here’s a comprehensive look at what this cover entails and how it can benefit you.

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What is Activity Lifestyle Insurance Cover?

This cover is an optional addition to your insurance policy that specifically pays out for certain types of injuries sustained through accidents. It covers claims for dislocations, tendon ruptures, and complete ligament tears that result from accidental bodily injury. This type of coverage allows you to focus on your passions without the constant worry of what could happen if you get hurt.

 

What’s Covered?

You can claim for:

  • Dislocations: All dislocations are covered, except for those of the fingers, thumbs, and toes. To qualify, surgery must have been performed in a UK hospital to repair the dislocation.
  • Tendon Ruptures: Claims can be made for ruptures of specific tendons, such as the Achilles, bicep brachii, quadriceps, and rotator cuff. Again, surgery must be performed in a UK hospital.
  • Complete Ligament Tears: If you experience a complete tear of a ligament in your knee, hamstrings, or ankle joint due to an accident, you can make a claim. Radiological imaging must confirm the injury.

 

When Can You Add Activity Lifestyle Cover?

It’s important to note that this cover can only be added to your policy at the start. If you’re considering this type of coverage, it’s essential to include it from the beginning. If you decide to remove it later, you won’t be able to add it back to your policy.

 

Eligibility and Conditions

  • Eligibility: This coverage is available to individuals who actively participate in sports or physical activities.
  • Claims for Existing Conditions: If you have a history of dislocations that have led to joint degeneration, it’s vital to understand that claims are assessed on a case-by-case basis. An accident must solely and independently cause the injury to qualify.
  • Surgery Requirement: Claims will only be accepted if surgery has been carried out in a UK hospital to repair the injury.

 

Advantages of Activity Lifestyle Insurance Cover

  1. Peace of Mind: Knowing you have coverage in place allows you to engage in your favourite activities without fear of financial repercussions.
  2. Quick Access to Funds: Should you need to claim, this insurance provides a safety net, helping you cover medical expenses and recovery costs.
  3. Comprehensive Coverage: This policy offers a wide range of injury protections tailored to active individuals.

 

How We Can Help

We can explore Activity Lifestyle Insurance Cover further and ensure you have the protection you need while you enjoy your active lifestyle.

If you’re interested in adding this cover to your policy or have any questions about your current coverage, don’t hesitate to reach out. We’re here to guide you through your options and help you secure the right protection for your lifestyle.