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BiSHA Members Sports Insurance

BiSHA provides important insurance cover for its members and affiliated clubs. This section covers the centralised scheme and other optional insurance schemes available through BiSHA Members Insurance Services.

Centralised Scheme for Members

1. BiSHA Personal Accident Insurance Scheme

For: All registered members, coaches and officials up to and including age 70.

Scope of Cover:  Worldwide 24hours/365 days. Whilst practising, training and competing under the auspices, control or direction of the Insured provided that such activity is within the terms of remit of the Association and/or Club, including travelling to and from any such venue for the purposes of these activities.

BiSHA Personal Accident Insurance: Schedule of Benefit

Benefit

£ Sum Insured
   

1.  Accidental Death Benefit

  

Players

Coaches & Officials

5,000

10,000
   

2.  Hospital Cash Benefit:

£25 per day for 30 days*
   

3.  Permanent Total Disability:

50,000
   

4.  Capital Benefits:

  

Total and Irrecoverable loss of sight in one or both eyes

50,000

Total and Irrecoverable loss of one or more limbs

50,000

Total and Permanent loss of hearing in both ears

50,000

Total and Permanent loss of speech

* Not payable for 1 night only. However, where stay exceeds 1 night then the first night is included for benefit.

50,000

Permanent Total Disability (PTD) is payable where:

i) The injured person can never return to his/her gainful occupation or any other occupation for which they are fitted by knowledge and training.

ii) Those in full time education, unemployed, or who have never been in full time gainful employment can never be gainfully employed.

Exclusions

i) You are not covered if you have taken any drugs, unless prescribed by a medical practitioner

ii) During pregnancy

iii) Any pre-existing condition, whether physical or mental

iv) At any other time other than stated under Scope of Cover above.

Additional Cover: Accidental Death Benefit

Clubs can increase the Accidental Death Benefit cover, for players, coaches and officials (age 16 and over) to a maximum of £50,000.