Hazardous Pastimes

• Basic recreational non-professional sporting activities are covered by most companies
• More hazardous recreational sports can be covered if fully declared & accepted
• Some companies may charge additional premium and some may not

International Medical Insurance and HealthCare Plan firms usually cover group plan members participating in basic recreational sporting activities such as handball, tennis, soccer, swimming, golfing, hiking, water skiing, racing on foot and others of similar risk. However, other more hazardous pastimes such as scuba diving, mountaineering, racing other than by foot, motorcycling, snow skiing, parasailing, hangliding and similar types of risks are usually not covered unless declared and accepted by the plan company. Also, acceptance may require an additional premium. Groups get more consideration.

Some companies won’t even consider covering sporting activities of individual applicants participating in more hazardous pastimes except as part of a group. Members should disclose all anticipated sporting pastimes to include those that may be considered more hazardous. If not fully disclosed by them, the activities of those individual members failing to do so may be excluded from cover. If any doubt declare and describe them to include frequency of activity and experience attained. Of course any incidents of medical claims in the past 2-3 years should also be disclosed. If discovered that one knowingly declared and described pastime activity inaccurately or incompletely therefore not providing the Plan Company with needed information to pre-evaluate risk fairly, future claims may be rejected. Failure to disclose material information on an application subjects the policy to cancellation. If pastime activities change materially inform Plan Company so any necessary change to your coverage can be made.