Sporting Injuries, Treatment and PMI
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Sporting Injuries, Treatment and PMI

Injuries sustained whilst playing sport are one of the most common types of injury. Of all the sports, more people are injured whilst playing football or rugby than any other sports. The nature of sports injuries tends to revolve around these types of injury:
  • Bone injuries
  • Joint injuries
  • Ligament and tendon injuries
  • Muscle injuries
Sprains, strains and pulled muscles can normally be treated with basic care at home, for example with the RICE formula:

R – rest
I – ice
C – compression
E – elevation

More serious injuries – fractures, for example - that need medical attention do happen from time to time. People often worry – am I covered for this by my Private Medical Insurance policy? Well the good news is you probably are.


Sports Injuries And PMI – Am I Covered?
  • If you are a professional athlete, whilst you will be able to get specialist insurance within the UK, at present, there are no leading health insurers who will cover pro or semi-pro sportsmen or women.
  • Further to this, most insurers will have professional sports as an automatic exclusion
  • Some insurers will not even have an exclusion on pro sporting injuries and will refuse to insure pro sportsmen altogether, due to the high risk.
  • With regard to amateur sports, the picture is better – if you are hurt whilst playing sport (and it is not a pre-existing injury) a policy will cover any surgery you might need.
  • If your policy includes outpatient cover, you will be entitled to private consultations, diagnostic scans and tests and physiotherapy to aid in recovery.
  • There is an add-on option available with most insurers to cover extra therapies such as osteopathy and chiropractic. Included in the extra therapies option are some alternative therapies such as acupuncture and homeopathy.
  • The insurers that include an additional therapy option include Freedom, Aviva, The Exeter, Vitality, Axa and Health Online.
  • One definite exclusion from PMI cover is dangerous sports like BASE jumping – these will never be covered in the UK under PMI.

What Causes Sporting Injuries?

Sporting injuries can have a number of different causes:
  • Lack of warm up and/or cool down
  • Inexperience in the chosen sport
  • Lack of fitness – going too hard, too early, for your body
  • Using wrong or old equipment in your chosen sport
  • Going back to play sport too early after injury

Sports for the Over 40’s

People often think sports and exercise are for the younger generation only; this is far from being the case. Whilst for most people by their 40’s and 50’s their best rugby and hockey playing is behind them, there are still many low impact sports and exercises that suit the middle aged lady or gent, who still wants to keep active, such as:
  • Swimming
  • Tennis
  • Rambling/hiking
  • Golf
  • Yoga
  • Pilates

Studies show that physical fitness can safeguard against such conditions as heart disease, stroke, and other chronic illnesses in middle age. As we all age, the probability of being struck down by one of these illnesses goes up. PMI can provide security in this uncertain time of life.