Can you get private health insurance as an amateur or semi-professional athlete?
Private health insurance in the UK covers athletes at every level, whether you’re a recreational competitor or a professional. However, generic private health insurance policies typically exclude sports injuries.
What you actually need is dedicated sports insurance, which covers not just sports injuries, but also injuries garnered from what insurers deem “high-risk” sports, such as contact sports including rugby, boxing, football and martial arts.
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Health insurance for semi-professional athletes
Semi-professional athletes often have different needs from club-backed professionals and recreational athletes.
Health insurance for semi-professional athletes provides access to the British private medical care system, allowing you to skip long waiting lists and accelerate your recovery timeline. Whether covered through your club or via a policy in your name, health insurance for semi-professional athletes is a proven way of getting back into competitive action as soon as possible.
What health insurance for athletes covers
Pushing your body to the limit and climbing the ranks to professional status means you’re always risking injury. What matters is what happens if you do sustain injury. Sports health insurance provides benefits like:
- Access to a wide-scale network of private hospitals in your area.
- Rapid diagnosis through access to specialists.
- World-class treatment without the waiting times.
- Comprehensive physiotherapy and rehabilitation to bring your return forward.
- Inpatient care.
- Surgery.
- Mental health support.
Your insurance policy can’t prevent injury, but it can give you peace of mind that you’re in the best hands if you need to take time away from training or competition for any length of time. Some of the types of injuries semi-professional athletes are covered against include:
- Bone fractures
- Dislocations
- Joint injuries
- Muscle tears
- Concussion
- Soft tissue damage
- Catastrophic injuries
- Death
If you’re ready to learn more about the types of injuries and benefits your policy provides, schedule an appointment with a Dragonfly Crowd expert now.
The benefits of sports insurance for athletes
Why should you take out sports insurance? The answer is speed, predictability, and health. Here’s a little bit more about what that means:
- Faster Return to Play – Instead of waiting in long NHS queues, you have the best care the UK has to offer at your fingertips. The sooner you’re diagnosed and treated, the sooner you’ll be back to doing what you love.
- Predictability – Know what you’re paying every time with transparent premiums, rather than choosing between an expensive private hospital and a long wait on the NHS.
- Mental Health Support – Physical recovery is only one side of the coin. Managing your mental health after a spell away is critical to getting back to your best.
- Take Your Policy Anywhere – Enjoy the same access to treatment even if you move clubs during your recovery.
- Highest–Quality UK Care – Taking out a policy with the help of an intermediary like Dragonfly Crowd also gives you access to more than 25,000 Bupa specialists based in the UK.
Plus, Dragonfly Crowd is with you every step of the way. Talk to a member of our team for independent personal advice whenever you need it.
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How we help sports semi-professionals find the right health insurance plan
What works for someone else won’t always work for you. Sports health insurance should be tailored to your needs, so that you’re paying for the coverage that’s relevant for you, whilst ensuring there are no gaps in your policy.
Working with Dragonfly Crowd makes it easy to sift through a wide panel of insurers without spending hours of your time approaching different providers.
So, how does the process work?
- Step One – Speak to a member of the Dragonfly Crowd team and discuss your specific medical needs. This includes not only what sport you play, but also any existing or chronic conditions you might have.
- Step Two – Dragonfly Crowd searches the market on your behalf for the policy that matches up with your needs.
- Step Three – Confirm your new private health insurance policy and enjoy the peace of mind that only comes from knowing you are fully covered against any injuries you sustain.
Injuries can happen any time you compete, but with a private medical insurance policy, you know you’re in the best hands. Launch the process of finding the ideal policy for you by contacting Dragonfly Crowd now.
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Simply provide us with your information, and we'll promptly get in touch (typically within 24 hours on weekdays) to discuss your health insurance requirements. Afterward, we'll follow up with your complimentary quote (usually within a week).