Our Sports Injury Insurance Plans

Whether it’s for you, your children, or your entire family, a sports-related accident can have serious consequences. Permanent injury, psychological trauma, time away from work or school, and in the most serious cases, even death — all of these can significantly impact your personal and family routines. Unlike standard policies such as health, school or home insurance, our personal accident insurance is designed to ensure you're covered while engaging in sports. It offers worldwide coverage across more than 400 disciplines, with 24/7 assistance available no matter where you are or what activity you practise.

Our accident insurance policy includes not only repatriation and transport cover at actual cost, but also a wide range of valuable guarantees. These include coverage for legal matters, monetary compensation in the event of disability, reimbursement for treatment and rehabilitation, as well as full coverage for search and rescue operations. In case of hospitalisation, the policy may also offer a daily benefit to help offset the monetary consequences of your recovery period. Whether the accident happens at home, outdoors, at school, or during travel, our plan offers unparalleled peace of mind for both you and your family.

Whatever your sporting environment — whether you train at home, take part in school programs or simply practise for leisure — our policy has been designed to take into account all situations and help protect you in the event of serious injury. With guarantees that include disability and death compensation, costs, repatriation and round-the-clock assistance, our plans are created to help you face the unexpected with confidence and security.

Unlike general accident policies such as GAV, our individual sports accident insurance is built to offer truly tailored assistance, robust monetary coverage, and comprehensive coverage. It includes substantial capital in the event of disability or accidental death, and provides full support in cases of physical injury. Most importantly, this coverage allows you to continue enjoying your sporting routines — or that of your child — with peace of mind. It acts as a safety net that excludes liability coverage, focusing instead on protecting the person affected by the accident.

The compensation included in our policy ensures that the victim is not left alone to insure the costs resulting from an accident. This makes the path to recovery less stressful, and helps maintain both healthy personal and social habits, especially after serious injuries. Our plans are designed to support your physical wellbeing and preserve your quality of living, whether you’re at home, abroad, or on the pitch.

Yes, in the case of a trip being cut short due to injury during winter sports, our accident insurance includes a trip interruption feature. Each of our plans covers reimbursement for unused services such as ski lift passes, lessons, and rented sports equipment. The reimbursement is calculated on a pro-rata basis, with a maximum of €400 per claim. This is particularly useful for families or school ski trips where an unexpected injury could otherwise lead to additional costs. We make it easier to manage the cost of unexpected breaks in your sports getaway. Our ability to cover high-risk and travel-related engagements is one of the key elements that sets us apart from traditional insurance companies and GAV-style contracts. We believe every athlete — adult or child — should be able to practise their activity with full peace of mind, wherever they are.

Our insurance policies guarantee fair compensation for the consequences of serious injury, such as permanent disability or accidental death. If the injury results in a disability rated above 30%, Plan 1 offers coverage up to €10,000 per person. Plan 2 increases this coverage to €50,000, while Plan 3 — our most complete option — provides up to €200,000 per person for permanent disability based on a progressive scale, and €40,000 in the event of death. In case of a severe accident, this level of compensation can be vital for protecting the victim’s physical and monetary wellbeing, and helps secure the family’s quality of life after the event.

These amounts are assessed according to a progressive scale, ensuring that the compensation reflects the extent of the injuries sustained. Choosing one of our personal accident insurance policies means securing reliable monetary support in moments that matter, whether you’re an adult athlete, a parent, or a child participating in sports.

Beyond personal coverage, the safety of your child and your family is a top priority. That’s why each of our insurance plans includes full assistance for transport and repatriation in the event of an accident during sporting hobbies. Regardless of the context — whether the injury occurs at home, at school, during a sporting holiday abroad, or during a training session outside your usual place of residence — our insurance ensures that transport and repatriation costs are fully fully taken care of.

This comprehensive service gives you and your loved ones the peace of mind of knowing that, if necessary, you can return home under proper care without incurring any additional costs. This benefit is especially valuable when accidents occur during a sporting holiday, a school trip, a competition, or an overseas training camp. Wherever you are and whatever the scale of the injury, our assistance team takes responsibility for organising and financing the repatriation, so that you can focus on recovery, not logistics.

What sets us apart is that these services are provided at actual cost, providing full support for all related costs. Whether the accident occurs in your home country or on the other side of the world, our commitment is to bring you back safely, without delay, and with peace of mind about the costs. This is a key feature of our approach to sports accident insurance — helping you stay safe, supported, and insured against all eligible events, wherever your sporting journey takes you.

Our insurance plans include a guarantee for the reimbursement of care expenses following an accident. This is one of the most important features of our offer, designed to have your back when surprise costs arise, for individuals and families dealing with injury. Plan 1 and Plan 3 each include medical cost coverage up to €10,000 per person, while Plan 2 offers exceptional coverage with up to €150,000 in medical reimbursement.

This wide range allows each policyholder to choose the right level of cover based on their sporting activity, level of risk, and personal or family needs. Whether the accident occurs during a training session, a sporting trip, or even during physical activity at home or school, you’ll be covered for the costs associated with treatment.

In addition to medical costs, our personal accident insurance can also include daily compensation for hospitalisation. This means that if your injury requires you to stay in hospital, your insurance can provide a fixed daily payment to contribute toward the cost of your absence from work or support your household income. With our policies, you have access to the financial resources needed to manage your recovery with confidence, while protecting your family from further hardship.

Our aim is to give you the highest possible level of support, whether you’re facing unexpected hospital bills, a loss of income, or a long recovery process. Thanks to this support, you can focus on healing — while we take care of the rest.

All of our accident insurance plans include comprehensive cover for rescue and emergency search operations. These guarantees apply whether the incident takes place during an organised trip abroad, a school camp, or a personal sporting challenge in remote terrain. In the event of an accident occurring at sea, in the mountains, or in any difficult-to-access area, our team takes full responsibility for organising and covering the cost of the rescue.

This applies to sports carried out in high-risk environments, such as skiing, hiking, kitesurfing, windsurfing, or jet skiing. For each incident, we offer up to €50,000 in overall coverage, including up to €1,200 specifically for emergency response, search and recovery, or towing operations. These guarantees are essential for any athlete engaging in outdoor or adventure sports, as the cost of emergency intervention can be extremely high — and is often excluded from standard health or travel insurance policies.

Thanks to this plan, you and your family can enjoy peace of mind knowing that no matter where you are or what sport you’re doing, assistance will reach you in the event of an emergency — and the costs will be fully covered by us.

Choosing one of our accident insurance plans means protecting not only your physical safety but also your monetary wellbeing, especially during unpredictable situations that arise in high-risk environments. Whether you're a casual participant or an experienced athlete, our rescue cover is designed to support you when it matters most.

From everyday sports practice to school outings, weekend matches or international competitions, legal coverage is an essential part of our personal accident insurance. In the event of a dispute, claim, or legal issue following an accident, our contracts provide financial support for fees, with coverage reaching up to €7,000 depending on the plan selected.

This assistance can prove vital in defending your rights or resolving conflicts that may arise after an incident. Whether it's a question of claiming compensation, navigating insurance formalities, or protecting yourself against unfair liability, our service ensures that you're not left to manage complex legal situations on your own. We offer legal expertise and full support so you can focus on your recovery and your family, without worrying about costs.

By subscribing to our insurance, you gain access to complete, reliable coverage adapted to the needs of everyday situations as well as more serious incidents. This benefit is particularly valuable for families with children who take part in school sports or extracurricular physical activities, where legal complications can often arise following an accident.

Our team takes responsibility for supporting your rights — providing guidance, funding, and peace of mind during any legal challenges.

With this support, you can confidently continue your daily and sporting hobbies, knowing you're protected both physically and legally.

Our personal accident insurance policies can be customised with a range of additional options to suit your way of living and sporting needs. These options allow you to strengthen your cover depending on your level of practice, your professional activity, or the type of trips and competitions you or your child may be involved in. Whether you're a casual athlete or a high-level competitor, these enhancements ensure that your insurance is as complete and relevant as possible.

For competitive athletes, the “Competition” option provides dedicated cover for events such as tournaments, matches, rallies, challenges, races, exhibitions, or any form of official contest. It’s designed for athletes who take part in structured sports events and need a policy that aligns with their active calendar.

The “Professional Athlete” option is intended for those who practise a sport at a high level — including championships, intensive training sessions, or other professional sports. This coverage ensures that athletes working in a sporting capacity are protected beyond the limits of general recreational cover.

To support inclusive sport, we also offer an adapted policy for athletes with disabilities. The “Handisport” coverage is specifically developed for people with reduced mobility, so they can train, compete, and travel with the same level of security and support as any other athlete.

Additional options like “Private Life”, “Cancellation”, “Baggage” coverage, and daily hospital allowances can also be added to your policy. These provide valuable coverage for your day-to-day habits that are not necessarily linked to the direct practice of sport but still pose a danger during travel or physical activity. For example, the cancellation option can support payment if an injury prevents participation in a scheduled event or trip, while the baggage option protects against damage or loss of essential sports equipment.

Every individual and every family has different needs, which is why our team is committed to offering a flexible and personalised service. By choosing the right options, you ensure that your policy offers maximum coverage, tailored to your own sporting habits or that of your children.

While our standard accident insurance covers you during the active practice of sport, this option extends your protection to situations outside of those specific activities. This is especially valuable during sports travel, where the possibility of injury or health concerns doesn't stop when you step off the field or leave the ski slope. With this option, you benefit from full cover throughout your trip, whether you’re actively engaged in sport or simply going about your daily routine abroad.

This extended cover includes worldwide emergency aid, repatriation, and healthcare reimbursement in countries where treatment can be extremely expensive. Whether you’re injured in an accident during your downtime, fall ill outside of sporting practice, or require emergency care abroad, the “Private Life” option ensures you receive the same level of protection throughout your entire stay.

This option is only available with our day-rate insurance formula. It allows you to select the period during which you wish to be insured — from a single day to several weeks — depending on the duration of your trip. This flexibility is particularly useful for holidays, training camps, or school sports trips, where each day abroad carries different types of injury hazards.

By adding this option, you guarantee full peace of mind from start to finish, knowing that every aspect of your trip — both sport-related and not — is protected. Whether you're travelling for competition, leisure, or an active holiday with the family, the “Private Life” option ensures that unexpected injuries or health emergencies are handled quickly, efficiently, and without extra cost.

Our commitment is to offer you a comprehensive and adaptable insurance service, designed to protect you in every context. With the right options in place, you can focus on enjoying your trip, knowing that you’re fully protected for both the expected and the unforeseen.