CONOCE LOS SEGUROS PARA DEPORTISTAS: ¿CUÁNDO ES NECESARIO CONTRATAR UNO?

CONOCE LOS SEGUROS PARA DEPORTISTAS: ¿CUÁNDO ES NECESARIO CONTRATAR UNO?

CONOCE LOS SEGUROS PARA DEPORTISTAS: ¿CUÁNDO ES NECESARIO CONTRATAR UNO?

En relación con las coberturas para el deporte, existen los seguros para el gimnasio. Ya hablamos de ellos aquí. El seguro de gimnasio corre a cargo de los establecimientos para la práctica deportiva y garantiza unas coberturas mínimas a los usuarios. Es obligatorio. Sin embargo, algunos atletas optan por contratar su propio seguro para deportistas. Es frecuente que estas pólizas sean contratadas por los atletas profesionales. A ellos les interesa tener un seguro que cubra cualquier posible lesión que entorpezca su carrera. 

En ocasiones, atletas que acuden a gimnasios, como los culturistas, competidores de crossfit o halterófilos contratan el seguro para deportistas por su cuenta. Otras veces, este seguro es para las personas que practican deportes de riesgo. Si te interesa este tema, veamos las pólizas deportivas más comunes que suelen pagar los atletas.

¿Un seguro deportivo qué es?

Se trata de un seguro privado que el atleta puede contratar por su cuenta (al margen de que también esté cubierto por el seguro de un establecimiento donde entrene, como el gimnasio, por ejemplo). Los tipos de seguros para deportistas van a variar según el deporte. Muchas aseguradoras ofrecen coberturas concretas para determinadas actividades según el peligro que representen. Como en esta web. Encontrarás que existen seguros para deportes de riesgo especiales como el vuelo en ala delta, puenting, escalada, esnórquel, ciclismo o incluso motociclismo. Obviamente, para este tipo de actividades, el seguro deportivo es más importante que en otras como el fútbol o el tenis.

Los seguros para deportes extremos son muy importantes. Estas actividades necesitarán un buen seguro médico para cubrir tanto los accidentes que suframos nosotros como los que podamos ocasionar a otras personas. Como sabes, la mayoría de los deportes extremos se practican fuera de la zona de residencia del atleta. Por eso, un seguro para el deporte extremo suele ofrecer también coberturas parecidas a las de los seguros de viaje. Por ejemplo, la asistencia 24 horas, pérdida del equipamiento o incluso la búsqueda y rescate del deportista.

Los ciclistas, por ejemplo, tienen seguros específicos para ellos. Las coberturas abarcan el robo de su bici, los daños a la bicicleta, los accidentes del ciclista y los daños que pueda ocasionar a terceras personas. En ocasiones, el seguro para deportista contratado garantiza también la defensa jurídica en el caso de sufrir un accidente.

Un seguro deportivo para varios deportes o multideporte

Algunas personas practican varias actividades deportivas de manera regular; por ejemplo, van a nadar, salen a correr, juegan partidos de fútbol o pádel y van al gimnasio. ¿Qué tipo de cobertura contratan en este caso? Si el atleta quiere un seguro para varios deportes, habrá de tener en cuenta las lesiones más frecuentes en sus actividades. Quizás la primera cobertura a tener en cuenta sea la asistencia médica y el reconocimiento médico.

¿Qué ocurre si vamos a eventos deportivos o somos atletas federados? En estos supuestos, tanto los organizadores del evento como nuestra federación deberían asegurarnos. Aunque siempre podemos tener también seguros deportivos contratados por nuestra cuenta.

La coberturas que necesitemos van a depender de los deportes que practicamos. La más importante es la cobertura médica. Tendremos que fijarnos muy bien en qué tipo de lesiones y accidentes nos cubre. Recuerda que un deportista no puede evitar tener accidentes, pero sí debe estar cubierto para sus consecuencias.

Contratar un seguro multideportes completo es la mejor opción para estar asegurado en decenas de prácticas deportivas y disfrutar de varias coberturas. 

seguro médico para el deportista profesional

¿Qué puede cubrir?

  • • Los accidentes.
  • • Un fallecimiento.
  • • Invalidez.
  • • Cobertura mundial de asistencia sanitaria.
  • •  Defensa jurídica.

Un buen seguro de atleta para varias disciplinas nos puede cubrir durante las 24 horas y los 365 días del año (siempre durante nuestros entrenamientos y pruebas deportivas). Los seguros de deportistas estarán asociados a hospitales y centros médicos de todo el país. Esto es muy interesante especialmente en los seguro para deportes extremos, pues son contratados por atletas que normalmente viajarán a distintos sitios para practicar sus actividades. 

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