Please note that, to enable the insurer to consider any claim for the cost of treatment following an accident at gymnastics, every treatment invoice must have confirmation of the area of the body treated.
Personal Accident
This is a summary of the main benefits provided by the Group Personal Accident Policy arranged on behalf of British Gymnastics and its members.
Please note that if you are attending a taster session and have not taken British Gymnastics membership, cover is restricted to reduced benefits in respect of death or permanent disabilities only, there is no cover provided for medical expenses incurred to assist with rehabilitation following an accident.
This summary does not include details of all the cover provided by the policy or all the terms and conditions of the policy, which can be found in the policy document.
There is no need to prove someone was ‘negligent` to trigger a claim and the cover is arranged primarily to assist with rehabilitation following an accident.
Whilst benefits are included for physiotherapy, manipulative massage and soft tissue treatment, this is not a private health insurance and the costs of medication, private consultation and surgery are not insured benefits. Cover may be provided for X-rays and MRI scans. You should contact W Denis Insurance Brokers PLC if this is required.
Cover is provided to Members of British Gymnastics who are involved in a single identifiable accident leading to a specific traumatic injury whilst taking part in any British Gymnastics discipline or activity in a British Gymnastics environment:
|
Benefits
|
Exclusions / Other Information
|
General Policy Exclusions
|
|
Medical Expenses
Out-patient treatment such as physiotherapy, radiography, manipulative massage and soft tissue treatment
Level of Cover
Gold Membership: £2,000
Silver Membership: £2,000
Bronze Membership: £1,000
Taster Session: £0
|
The policy does not cover the cost of medication, private consultation or surgery
The policy does not cover the cost of travel to/from or parking expenses at treatment sessions
There is a £50 excess applicable to all claims
|
Cover is not provided in respect of:
Any deliberate self harm or suicide attempt
Any post traumatic stress disorder, psychological or psychiatric condition
Any injury arising as a result of repetitive stress or strain
Any injury arising as a result of any gradually operating cause
Travel expenses incurred to attend hospital or treatment appointments
Any costs incurred more that 2 years after the injury occurs
|
|
Permanent Partial Disablement
Up to £50,000 dependant on the nature of the disablement
Up to £25,000 for attendees of taster sessions dependant on the nature of the disablement
A percentage of the total cover will be paid in respect of each area of the body as follows:
30% One thumb
20% One forefinger
10% Any other finger
15% Big toe
5% Any other toe
25% Shoulder or elbow
20% Wrist, hip, knee or ankle
30% Lower jaw by surgical operation
|
The policy provides cover for injuries resulting in total severance of a thumb, finger or toe and permanent loss of 75% or more of the use of the affected body part, as assessed by an independent medical expert no sooner than 12 months after the incident occurred in the case of loss of use.
The amount payable under the terms of the policy is calculated on a sliding scale dependant on the extent of disablement but will never exceed £50,000 if multiple areas have been affected
|
|
Permanent Total Disablement
£50,000 Gold, Silver or Bronze members
£25,000 for attendess of taster sessions
|
|
|
Emergency Dental Treatment
Level of Cover
Gold Membership: £1,000
Silver Membership: £1,000
Bronze Membership: £500
|
The policy covers the cost of treatment required within 12 months of the original incident.
There is a £50 excess applicable to all claims
|