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It is essential to carefully review the terms and conditions of a health insurance policy, paying close attention to clauses related to accidental coverage and exclusions
Injuries during exercise at the gym are quite common. (Representative/Shutterstock)
In recent times, there has been a significant increase in fitness awareness among people. Gyms have emerged not only in large cities but also in small towns, attracting a considerable number of individuals seeking workouts. However, injuries during exercise at the gym are quite common. A pertinent question arises: are such injuries covered by health insurance?
Most health insurance policies cover sudden gym injuries, such as a dumbbell falling, cuts from a machine, or strains and fractures, under “accidental hospitalisation”. This means that treatment costs for these injuries are generally paid for.
According to a report by Business Standard, Rajendra Upadhyay, Chief Growth Officer of Choice Insurance Broking, confirms that gym injuries are included in most health policies. Nevertheless, claims can be rejected if the injury results from activities against a doctor’s advice, or the use of steroids or narcotic drugs.
Free Treatment For These Types Of Injuries
It’s important to note that for the treatment to be covered, the injury must necessitate hospitalisation. Surgeries due to such injuries are also covered under the policy. Some policies now extend to day care procedures, which involve treatments lasting less than 24 hours. However, injuries from professional and adventure sports, such as bodybuilding competitions, marathons, and boxing, are often excluded from coverage.
If an accident occurs in the gym and the affected individual is admitted to a network hospital associated with the policy, cashless treatment can be availed.
Check Terms And Conditions Carefully
It is crucial to thoroughly read the terms and conditions of the health insurance policy, especially the sections related to accidental coverage. Regular gym-goers or those involved in sports activities might consider obtaining a personal accidental insurance cover for added protection.
Exclusive Policy For Gym And Sports Injuries
In India, specialised policies for gym and sports injuries are available from insurers like ACKO Health Insurance and Bajaj Allianz. ACKO’s policy covers gym or sports-related injuries under “Accidental Injury” and includes ambulance charges.
Bajaj Allianz offers a ‘Gym Injury Policy’ with a low premium, providing up to Rs 2 lakh coverage specifically for fitness or gym-related accidents.
September 06, 2025, 18:22 IST
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