Tenzing pacific services

Health Insurance
for Sports

Like many expats in Southeast Asia, I like playing a sport in my spare time. This can range from Rugby to Football (soccer for you Yanks), to Aussie Rules Football, and even Gaelic football. This encompasses:

  • Training
  • Friendlies
  • League matches
  • Tournaments around Asia

I will go over why it’s important to have health insurance for sports as a way to protect yourself & some other general information about how your recreational hobbies affect your health insurance.

Health Insurance for Sports

Health Insurance for Sports

How many times have you fallen awkwardly? Collided with an opposing player? Picked yourself of the ground thinking, “that was close!”?   If you’re like me, the answer is a lot!

Injuries are an unfortunate part of most sports, whether that’s physical contact injuries or soft tissue issues like pulled muscles or damage to ligaments & tendons.  They can happen at any time & at any level of competition and undoubtedly has happened to every who plays sports regularly.

The required treatments related to sports injuries are often expensive. Whether that’s surgery or ongoing care for rehabilitation & physiotherapy where you have to go get repeated sessions.

That’s why having proper medical insurance that covers sport is so important.



Health Insurance for Sports

How can I protect myself?

The answer is simple, when you’re taking out a plan, make sure whatever sport you play is covered under the policy.  Seems simple enough, but many times this isn’t even something that’s considered when taking out a health insurance plan.  As someone from the UK, I know this wasn’t something I had even considered as it’s not something I’ve ever had to think about back at home.

Equally as important, make sure you’re covered in the countries you play in.  You wouldn’t want to be in Hong Kong at a tournament & discover your policy coverage area excludes Hong Kong. I know I certainly wouldn’t want to have emergency surgery in Hong Kong uninsured!

If you’re travelling to somewhere outside of your coverage area, then you can take out supplemental travel insurance for the trip.

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It’s okay, I already have insurance.

Did you know that not all medical insurers will cover you for a sports injury?  This is especially true with more budget friendly plans, where in order to offer the price that they do, they need to have exclusions for things like to sports to reduce their risk.  To an untrained eye, you wouldn’t know any different by looking at a brochure.  A term like that would be buried in the exclusions list in the policy terms and conditions.

If you are intentionally putting yourself in situations with higher risk levels, then there is an associated liability for the insurer. This is why it’s excluded by many providers. So ask your provider to confirm either way, if sports related injuries are covered.

Tip:  use an example when asking providers probing questions like this. Eg.  “If I break my femur while playing rugby and require emergency surgery, does my policy cover that?” Then get them to send to you in writing.

Health Insurance for Sports

What types of sports are usually covered?  excluded?

This will ultimately depend on the insurer you have. In general, if you take part in extreme sports, you can count on them not being covered. This includes things like:

  • Skydiving
  • Rock climbing
  • MMA and other combat sports
  • Scuba diving below 20M
  • Any sport done as professional, where you earn money
  • Races and competitions can also sometimes be excluded as there’s extra risk as you push yourself to the limits

Types of things can are usually covered:

  • Normal excercising, bike rides, walking,
  • Amateur rugby, football
  • Tennis
  • Golf

Rules vary by provider, so when you are getting an insurance quote, make sure to tell your Tenzing advisor and that will be taken into consideration.

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How much is health insurance for sports?

The price will ultimately depend on variety of factors, the top 4:

  • Your Age
  • Coverage Area
  • Benefits
  • Provider quality

It’s always best to speak to an impartial 3rd party, like a broker though. It doesn’t cost you any more and there’s no inherent bias about not disclosing something as important as whether your health insurance covers sports related injuries and treatments.

Ask a question. Get a quote. Talk, chat, email – your choice

These articles are intended to give you enough information to make informed decisions, but health insurance is complicated. Whether you still have questions on this topic or feel ready to take the first steps toward getting a policy, our advisors can help.

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Johannes Heikkila

Advisor
From Finland
Expat for 1 year
Speak Finnish, English & Spanish

Speciality:
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Robert Cunningham

Advisor
From the UK
Expat for 13 years in Thailand & Vietnam
5 years' insurance & financial services

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Romain Camillo

Senior Advisor
11 Years in Insurance & Financial Services
Expat in thailand for 7 years
Joined Tenzing in 2020
Speaks French & English


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From Vietnam
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Lived in Singapore
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Patrik Shore

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From Sweden & New Zealand
7 years' insurance experience
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Crim Science
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Geoffrey Mann

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From the US
Employee benefits & insurance compliance background
Joined the Tenzing team in 2019
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Nhu Nguyen

Senior Advisor
From Vietnam
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Fluent in Vietnamese & English

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Ian Comandao

Health Insurance Manager
From Philippines
MBA from Duke University
Expat for 20 years in US, China, Hong Kong & Vietnam Worked at Tenzing since 2018
Fluent in English, Tagalog, Mandarin

Speciality:
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Craig McAvinue

Director of Wealth Management
From the UK
25 years' expereince in investments & insurance
Expat in Thailand for 5 years
Chartered Accountant by trade
Holistic approach to consulting his clients

Speciality:
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Quinn Miller

CEO & Managing Partner
From the US
Joined Tenzing in 2014
Expat for 10 years in Vietnam
Finance & Entrepreneurship Degrees

Speciality:
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  • 84 35857 2629
  • 84 35857 2629
  • quinn.miller@ten-pac.com

Quinn Miller

CEO & Managing Partner
From the US
Joined Tenzing in 2014
Expat for 10 years in Vietnam
Finance & Entrepreneurship Degrees

Speciality:
- Group Health Insurance
- Life Insurance
- Savings Plans"