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Private Health Insurance Comparison for Athletes and Sports Players

May 4th, 2012 0 comments
Compare Health Insurance for Athletes

Are you an athlete or sports player looking for health insurance?  Do you participate in active sports often? This can introduce some special health care needs that can affect how you compare health insurance.

Some sports players and athletes receive a degree of health insurance through their team or organisation, so find out if this is the case for you. That type of health insurance will not necessarily cover everything you want, though, so you may still end up comparing health insurance for your own purposes.

Your Specific Health Needs

In any health insurance comparison, one of the preliminary steps is to identifying your precise health care needs, and those that you are likely to have in the future.

Image by U.S. Army

There is no simple formula for doing this, unfortunately.  Taking account of your sporting activities, you may want to look for coverage that can meet your needs for sports related healthcare. For instance, here are some examples that may be relevant to you:

  • Locations: Do you travel to play your sport?  If so, you might need medical assistance when away from your home town (even for something unrelated to sports).
  • Known risks: Are there any injuries or other medical conditions that are known to be common in people who participate in your particular sport? You may want to ensure that your health insurance covers these ailments.
  • Extras: From coverage for personal trainers to physiotherapy treatments or medications, you might want to take a look into which extras are part of your policy, and how they fit with your sporting life.  Always check what won’t be covered, too.

Balancing Your Needs

Aside from identifying any particular sports-related medical needs you have, the important thing is to balance those specific needs with the everyday health care you may need whether you play sports or not:

  • What health care might you need, and what is or isn’t covered by the policy you’re looking at?
  • What are your regular medical needs? Do you already receive treatment for something, and if so is this likely to continue?

Decide upon the range of medical coverage that you need.  You might want to comprehensively insure yourself with a high level of cover, or you may choose a lower coverage that only covers the specifics you want.  Whatever the case may be, you must identify your most important needs in order to figure out your health insurance comparison priorities.

Look over policies in full to check the level of coverage that will be involved.  Once you know what you need, it will be easier to weed out the ones you don’t want. This will help you to choose a private health fund to help you with health care costs, sports related or otherwise.

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