Accident Insurance for Leisure Activities

Individuals qualify as elite athletes if they participate in individual or team sports that are regularly practiced under the guidance of a coach within clubs or organizations that focus on sports competition.

Note that this applies to anyone aged 16 and older. For example, a 16-year-old who trains intensively and competes regularly must have separate coverage, even if they train and compete alongside full-time studies or work.

However, this restriction does not apply to general public participation in training and competitions for golf, road cycling, road or cross-country running, and other sports where the public can participate without special requirements.

Accident Insurance in free time, included in Family Protection 2 and 3, does not cover accidents occurring during high-risk leisure activities. This applies to:

• Any type of motor racing
• Martial arts (if the participant is 16 years or older)
• Mountain trips above 4,000 meters in altitude
• Mountain, rock, or ice climbing and rappelling
• Kayaking, white-water rafting, and RIB boat trips
• Kite flying, hot air ballooning, gliding, bungee jumping, and skydiving
• Scuba diving with an air tank
• Other activities comparable or similar in nature to those listed above

If you are unsure whether your leisure activities are considered high-risk, please contact us.

You will need separate coverage. Accident Insurance in free time does not cover injuries sustained while working as a coach.

If you are self-employed as a coach (not a salaried employee), you should secure additional coverage with Sickness and Accident Insurance, which is tailored to the needs of self-employed individuals.

Family Protection is a comprehensive insurance package designed to suit most people’s daily lives. However, leisure activities vary, and inevitably, some activities fall outside standard coverage.

Those who take on greater risks in their leisure time—such as skydiving, scuba diving, or mountain, rock, and ice climbing—must secure additional coverage, for example, with Sickness and Accident Insurance.

Individuals who train or compete in elite sports also need separate coverage, such as Accident Insurance.