The risk of accidents and illnesses is high for athletes. Federation and private insurances provide protection.
Types of Athlete Insurance
- Federation insurance: Mandatory for licensed athletes
- Professional athlete insurance: High value
- Amateur athlete insurance: Hobby level
Coverage
- Training/match accident
- Treatment expenses
- Permanent disability
- Death
- Disability for work (career loss)
Professional Athlete Special Case
- Contract price is high (millions of TL)
- Insurance limit is proportional
- Career duration is short
- Early disability → compensation calculation important
Overseas Tournaments
- covered by Federation insurance
- Additional travel insurance recommended
- Access to foreign health system
Supreme Court 11. HD
11. HD adopts that "career duration" should be taken into account in the compensation calculation in the insurance of professional athletes.
Practical Recommendations
- There must be an insurance clause in the athlete's contract
- Get a federation insurance certificate
- Additional insurance for important competitions
- Check the "exemption" clauses in the contract
Insurance law lawyer recommended.