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If after reading these frequently asked questions you need more information, or have any unanswered questions, please contact us. We will be happy to help.

GENERIC SPORTS INSURANCE QUESTIONS

Yes, we have a wide range of sports insurance covers aimed at:

Yes, we have a wide range of sports insurance covers aimed at:

12 months unless specified otherwise. You will be sent your renewal documents before your scheme continues for another year. You should review the renewal documents to make sure the cover and policy remains suitable for your needs. Worldwide Travel policies run, renew and end with your sports insurance policy but can be cancelled separately at renewal.

No. Unlike some other insurance companies General & Medical do not charge their clients extra, or any form of interest, to pay their premiums monthly. This is one more reason to choose General & Medical.

SPECIFIC COVER TYPE QUESTIONS

What is Sports Health Insurance?

The Sports Health Insurance policies offered by General & Medical aim to fund private medical treatment of acute conditions. The policies will cover the costs of eligible treatment within the UK, up to the limits of your chosen cover, by our recognised consultants, medical practitioners or therapists. The benefits include cover for initial private consultations, in-patient, out-patient and day-patient investigations and treatment up to the limits of your chosen cover.

Our Private Health Insurance policies provide cover for eligible treatment at any of the Participating Hospitals within the hospital choice you make. These are ‘First Choice’, ‘Freedom’ and ‘Premium’. The Participating Hospitals within any level may change from time to time.

How can I pay my premium?

You have a choice of payment method

  • Monthly by direct debit which is secure and an easy way to spread the cost over the year
  • Annually by direct debit, debit/credit card, BACS or cheque

Are there any age limits?

You may join a General & Medical scheme as an individual from the age of 16 up to your 75th birthday. Once covered there is no upper age limit.

Children under the age of 16 must be added to an adults policy. Children are classed as a child up to their 21st birthday, or their 26th birthday if they remain in full time education. Proof of full time education must be provided.

How do I make a claim on my Sports Health Insurance policy?

You should contact your Health & Care Support Specialist before you see your consultant so that we can confirm your cover. Your Health & Care Support Specialist will be able to guide you through the process of claiming and let you know what is and is not covered. The full claims procedure is detailed in 'the Guide to your Health Scheme'.

Can I cancel my policy?

You may cancel your policy by telephoning us, by email or in writing (see contact us for details).

You may cancel your policy during the 14 day cooling off period. This period commences on the day your cover starts or when you receive your policy documentation, whichever is the later. We will refund any premium paid at the date of cancellation, providing you have not used any of the services available on your cover and no claims have been made. If you decide to cancel your cover before your renewal date and outside of the cooling off period, providing you have not used any of the services available on your cover or attempted to make any claims you can do this by giving us at least 30 days notice before the date on which you want your cover to cease.

If you have incurred any claims costs, attempted to make a claim, used any of the services provided by your cover, or an incident has occurred which has led to a claim, or may yet lead to a claim against your policy, we will require you to pay any remaining unpaid balance of the full annual premium as shown on your most recent Certificate of Cover document. You will receive written confirmation from us that your cover has ceased and your cover will not continue beyond your cancellation date.

If you wish to cancel your cover at your renewal date you should tell us as soon as possible before your renewal date. Your cover will cease the day immediately prior to your policy renewal date. A 14 day cooling off period also applies at renewal, commencement of which is from your renewal date.

What is Sports Accident Insurance?

Sports Accident Insurance has been specifically designed to provide some financial benefit to you in the event of an injury occurring whilst you are participating in any given sport. Our Sports Accident Insurance also provides benefit for accidental injury whilst travelling to and from a scheduled match, training session or competition or whilst on tour, but it is not a travel insurance. Worldwide Travel Insurance is available to upgrade your cover, for an additional premium.

Sports Accident covers amateur activities. Professionals are not eligible to take out our Sports Accident Insurance. For the purposes of Sports Accident Insurance, we class professionals as those earning more than £10,000 per year from participation in their sport.

How can I pay my premium?

You have a choice of payment method:

  • Monthly by direct debit which is secure and an easy way to spread the cost over the year
  • Annually by direct debit, debit/credit card, BACS or cheque

Please note: Monthly payment is only available if the annual premium is over £90.00.

Are there any age limits?

You may join a General & Medical scheme as an individual from the age of 16 up to your 75th birthday. Once covered there is no upper age limit.

Can under 16’s take out an individual policy?

You may join a General & Medical Sports Accident Key or Sports Accident scheme as an individual from the age of 8 to 15 years of age, providing a Parent or Legal Guardian is detailed on the policy as Third Party Authorisation.

How do I make a claim on my Sports Accident policy?

You should contact your Health & Care Support Specialist so that we can confirm your cover. Your Health & Care Support Specialist will be able to guide you through the process of claiming and let you know what is and is not covered. The full claims procedure is detailed in 'the Guide to your Sports Accident Scheme'.

Can I cancel my policy?

You may cancel your policy by telephoning us, by email or in writing (see contact us for details).

You may cancel your policy during the 14 day cooling off period. This period commences on the day your cover starts or when you receive your policy documentation, whichever is the later. We will refund any premium paid at the date of cancellation, providing you have not used any of the services available on your cover and no claims have been made.

After the cooling off period, if you wish to cancel before your policy renewal date, no refunds will be given and we will require you to pay any balance remaining of the full annual premium shown in your most recent Certificate of Cover.

Can I add additional members to my Sports Accident Insurance team policy?

New members only can be added after the policy start date or renewal in direct replacement of another member for no additional fee provided the departing member has not been subject to a claim and a medical declaration has been received for the new member.

A new member can be added to a group or team policy and the fee calculated on a pro-rata basis.

We will allow individual members to cancel a policy without further charge to enable them to be added to a group or team policy provided the change is simultaneous.

GET A SPORTS INSURANCE QUOTE

Be performance ready with our SportsInsurance4U. Get your free online quote today or call us on 0800 980 4601!