Our Summary of accidental injuries covered whilst playing any sport on our list

  • Your Accidental Death, Permanent Total Disablement, Permanent Partial Disablement, Quadriplegia, Paraplegia, or Hemiplegia
  • Broken bones that require hospital treatment
  • Fractures due to trauma (excluding hairline fractures and shin splints) that require hospital treatment
  • Muscle tears (Grade III only)
  • Tendon tears and ruptures (Grades II and III only)
  • Ligament tears and ruptures (Grades II and III only)
  • Joint injuries (dislocations, slipped discs, herniated discs, meniscal tears, torn knee cartilage), excluding myofascial injuries such as plantar fasciitis, runners knee, repetitive strain injury, etc.
  • Traumatic nerve injuries (excluding non-traumatic nerve injuries such as carpal tunnel syndrome and sciatica)
  • Dental injury which becomes apparent within 5 days of the accident. All bodily injuries must be confirmed by a Doctor prior to a claim being assessed

Pre-existing conditions

When applying for cover we do not ask you to have a medical or do we ask you for any medical history questions. It’s simple. You will NOT be covered for a personal injury or on-going medical condition for which you have received a doctor’s consultation or advice, treatment, or have had symptoms, during the 24 months prior to the date of an accident causing bodily injury claimed for under this policy.

Description of sports-related injuries

Ligament tendon tears and ruptures
GRADE 1 not covered

A pull or minor tear to the ligament or tendon. Mobility is not greatly affected, and there is no lasting damage. Recovery time is usually two to seven days. This type of ligament or tendon tear is not covered.

GRADE 2 covered

A more significant tear to the ligament or tendon, but not a complete rupture – normally requires three weeks to a month of limited mobility, heals by itself with rest and no pressure/impact. This type of ligament or tendon tear is covered.

GRADE 3 covered

A full rupture of the ligament or tendon – recovery time is up to 6 months, and often requires surgery. This type of ligament or tendon tear is covered.

Muscle Tears
GRADE 1 not covered

This is a mild strain, where only a few muscle fibres are stretched or torn. Although the injured muscle is tender and painful, it has normal strength. This type of muscle tear is not covered.

GRADE 2 not covered

This is a moderate strain, with a greater number of injured fibres and more severe muscle pain and tenderness. There is also mild swelling, noticeable loss of strength and sometimes a bruise. This type of muscle tear is not covered.

GRADE 3 covered

This strain tears the muscle all the way through. Grade III strains cause complete loss of muscle function, as well as considerable pain, swelling, tenderness and discoloration. Grade III strains usually cause a sharp break in the normal outline of the muscle, so there may be an obvious “dent” or “gap” under the skin where the ripped pieces of muscle have come apart. This type of muscle tear is covered.