Health Insurance Plan
School & Sports Cover
Protection during inter-school sports, picnics and physical education
Key features
Inter-school tournaments
Covered even when the event is off the home campus
Fracture & sprain benefit
Fixed payout on diagnosis, on top of hospitalisation cover
Educational trips & picnics
Covered when organised or endorsed by the school
What's covered
- Injury during PE, sports practice, tournaments, and school-organised trips
What's not covered
- Professional/paid sporting activity outside school
- Injury during unsupervised, non-school activity
Why school sports injury insurance exists
Playground and sports injuries are the single most common reason a school-age child visits an emergency room — and they happen precisely where a family's regular health policy is weakest. Many family floaters exclude or sub-limit injuries from organised sport, and almost none pay the fixed fracture benefit that actually matters to a parent facing plaster, physiotherapy and six weeks of school runs.
This cover is written for school life specifically: PE periods, sports practice, inter-school tournaments, picnics and educational trips — on campus and off. Accidental injury cover starts from day one, with no waiting period, because a fracture doesn't wait ninety days.
Frequently asked
Does this cover a school trekking or adventure trip?
Yes, provided the school has formally organised and supervised it — check the specific activity list in your policy schedule.
Is there a waiting period for sports injuries?
No — accidental injury cover starts from day one of the policy. Waiting periods apply to illnesses, not accidents.
My child plays in inter-school tournaments. Are away matches covered?
Yes. Cover follows the school activity, not the campus — tournaments, practice sessions and school-organised travel to and from them are all included.