Insurance

Sportinez insures its members for accidents involving physical damage, which they fall victim to during the event, or on their way to and from the event.

1. The term “Accident”
   An accident is a sudden event that causes the insured person physical harm. There will always have to be an external cause (a.o. diseases are excluded). Only accidents that happen during the event, and in specific cases also on their way to and from the event (see point 3) are insured.
2. Are considered as equivalent to an “accident”
   • Dislocations, strains, muscle tears, hernias, inguinal hernias, sprains that suddenly emerge
   • Diseases and infections that are the direct result of an accident
   • Drowning
   • Animal bites
   • Inhalation of gases
   • The sudden occurrence of a stroke or heart problem, being an acute heart failure, arrhythmias or a heart attack
3. The road to and from the event
   Accidents that happen on the way from home to the event are only covered if the insured person has registered as a participant beforehand and is therefore already known as a participants before the registration on the day of the event have started. Accidents that happen on the way from the event to the actual residence of the insured person are covered for each insured person who is known as a participant to that event. Accidents that occur while the insured person is a driver of a motorcycle (+50 cc) are also covered, but only for 50% of the insured capital (see below)
4. Guarantees and capital
   Death: € 8.500
   Permanent Disability: € 10.000
   Funeral expenses: € 5.000
   Medical costs: 100% RIZIV (National Sickness and Invalidity Insurance Institute). Only the medical expenses that are not or not fully covered by the health care federations, shall be eligible for reimbursement by the insurance Sportinez, to depletion of the amounts mentioned earlier.
5. Foreigners
   Foreigners who have an accident in Belgium can enjoy the insured guarantees and capital. However, as soon as they return abroad, the medical costs incurred there will no longer be reimbursed.