sports and medical insurance

[space-time]

I know a guy who is doing some performance sports and he often goes to doctor for a sore knee or elbow, stretch muscle, etc. I understand he has medical insurance from his job, so I wonder how come the medical insurance covers him from injuries related to his sport activities.

[hal]

why wouldn't it? it's not like applecare

[space-time]

I don't know, I am just asking. I think Auto insurance would not cover you if you were using your car for commercial purposes (TAXI), you would probably have to get a more expensive insurance. I wonder if they found out he's getting hurt during these sports event if they would try to deny his claims.

[Black]

The benefit of the job is that the employer pays for part of health insurance and gives the employee access to the group plan.
It' a benefit . . . it's not tied to your work duties.
You're aware that "worker's compensation" for injuries is a seperate thing?

[mrbigstuff]

not at all tied to the sports, although if it involves a mechanized vehicle (say, a motorcycle) the provider can look to the insurance provider (if there is one) for payment. for athletics, there is no restriction unless spelled out in the provider agreement that one signs at the beginning of service.

I think skiing is a good example of a potentially harmful activity that is not (generally) restricted.

[mrbigstuff]

I think Black gets to the point of the matter - the OP may be thinking more of worker's compensation for an injury in the workplace.

[onthedownlow]

The health insurance is just for that...health of the human being - regardless of the origination of the ailments.

As said, it's a benefit of the employer...to offset and help pay for such services by allowing him on its group plan.

[Racer X]

some policies will exclude coverage for extreme sports injuries. Same with life insurance policies. Several sports in particular are excluded, including parachuting, bungee jumping and mountain climbing with a friend's policy.

[freeradical]

space-time wrote:
I don't know, I am just asking. I think Auto insurance would not cover you if you were using your car for commercial purposes (TAXI), you would probably have to get a more expensive insurance.

Not probably, it's far more expensive. I asked an independent taxi driver years ago what he paid for insurance and it blew my mind. He was paying more in a month than my annual policy cost.

[Wailer]

I would guess statistically people who play sports (ie exercise) cost insurers far less over the long-term than those that don't play any sports.

And like Black said, health insurance is a benefit provided by your employer to cover all your health related issues.