Professional cricket player Life Insurance, Critical Illness Cover And Income Protection
If you are a professional cricket player, there are risks associated with your sport that may cause severe injury. The most common types of injury inflicted upon professional cricket players include:Strains
Many injuries associated with playing cricket involve the hands, muscles, upper body and fingers. It is also worth bearing in mind that cricket is played during hot weather over a long period of time, so heat stress and sun stroke are additional risks. Cricket players often suffer from injuries to their face, hands and fingers (due to being hit by the ball). Bowlers are also prone to muscular strain and overuse of the back and shoulder muscles. Such injuries often require sessions of physiotherapy.
Professional cricket players should always take precautions to minimise injury when playing. These include:
- Wearing protective equipment
- Playing the sport in a safe and controlled environment
- Warming up and stretching before play
- Attending training sessions
- Cooling down post-match
- Staying hydrated
- Wearing supportive bandages to support ligaments and muscles
- Wearing a custom-fitted mouth guard
- Wearing cricket shoes
- Wearing body padding
- Wearing a cricket helmet
- Ensuring there are no hazards such as stones on the pitch
- Ensuring adequate netting is in place to stop excess travel of cricket balls
You should always use the correct techniques for bowling, catching and batting if you are a professional cricket player, including the sliding stop technique. You should also restrict the number of overs bowled during a game to avoid excess strain on your body.
How Professional cricket player life insurance, critical illness cover and income protection works:
The following are the main conditions for underwriting an application for professional cricket player life insurance:
- Where you play cricket
- How experienced you are at playing cricket
- Your age
- Your current health and fitness level
- Safety precautions in your cricket club
- Any underlying health conditions
- Whether you have previously been injured playing cricket
The Insurance Surgery is a leading professional cricket player life insurance specialist. We aim to put you in touch with the best insurers that meet your cover needs. Enter your details into one of our online forms for your free no-obligation quote for professional cricket player life insurance.
Professional cricket player life insurance
You should have life insurance to protect yourself if you are a professional cricket player. This is to protect you should you have an injury or accident at a cricket match. Muscular stress, fractures, sprains and strains are common injuries in cricket, and can mean that a professional cricket player cannot play during their recovery time. Professional cricket coaches should also take out life insurance.
Underwriting for professional cricket player life insurance will depend on the following factors. Insurers may ask you the following questions:
- How long have you been a professional cricket player?
- What is your current weight and height?
- How old are you?
- Do you have any underlying health conditions?
- Do you ensure that you are always wearing protective equipment when playing?
- Have you ever had an accident or injury that has left you unable to work?
- Are you taking any medications?
Many applications for professional cricket player life insurance can be easily underwritten and accepted online, but if you have an underlying health condition, a history of playing with incorrect equipment or previous injury as a result of your profession, an insurer may want to discuss your application with you in more detail to determine the element of risk. For instance, an insurer may want access to details of medications you are taking, when the injury took place and how long it took you to recover. At The Insurance Surgery, we have helped many people find the right professional cricket player life insurance cover for their needs.
There are a number of additional factors that could affect your professional cricket player life insurance premiums. These are:
- If you smoke
- Your general health and lifestyle
- Family medical history
Professional cricket player critical illness cover
As with life insurance, critical illness cover could be available to you through some insurers. Cover will depend on your general health, underlying health complications and any accidents or injuries you may have suffered during your cricket-playing career. Bear in mind that criteria for applications for critical illness cover are much stricter than applications for life insurance. An insurer may seek some form of medical confirmation from your GP, or access to your medical records. It is possible to have an application for critical illness cover accepted on standard terms, but this will depend on your health circumstances in relation to your career.
Professional cricket player income protection
Income protection for professional cricket players is generally difficult to find. If you would like to have income protection, you will need to speak to a specialist insurer about your circumstances to see if this is a valid option. Contact us at The Insurance Surgery today where we can help.
The Insurance Surgery is a specialist life insurance source for professional cricket players. We have helped many people find the right cover for their personal circumstances, and can put you in touch with specialist insurers to find the protection plans you need.
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