Water sports insurance

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Coverages

Coverages

Coverages

Coverages

Coverages

Coverages

Coverages

Coverages

MODALITIES AND PRICES

Contratación online

Profundidad máxima 40 metros
- Un día - 6,00 € / asegurado.
- Un año - 27,50 € / asegurado.

Profundidad máxima 75 metros
 - Un año - 33,50 € / asegurado.

Quedan incluidas  todas las modalidades deportivas en cualquier profundidad.

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Los productos anuales incluyen tarjeta plástica personalizada con certificado anual nominativo y envio por Correo ordinario.

Coverage

Coverage for the Practice of Water Sports in Any Country Worldwide.

• Sports accidents are covered when practicing as an amateur, engaging in any of the following water sports:

Scuba diving / freediving / fishing / spearfishing / snorkeling / swimming / kayaking / water skiing / jet skiing / foil boards / wing-type sails / surfing / windsurfing / paddle surfing (SUP) / kitesurfing.

• Accidents occurring in-transit (in-itinere) are expressly excluded.


Benefits Insured in the Policy:

• €18,000 in case of accidental death.

• Up to €18,000 in case of Permanent Disability resulting from an accident.

• Civil Liability for the practice as an amateur of all the listed water sports, except for jet skiing, up to €150,253.02.

• Medical - Hospital Assistance and Hyperbaric Chamber expenses.  

- In AXA-contracted centers: Unlimited.
- In non-AXA-contracted centers: Up to a limit of €15,000 per claim.

• In addition to the medical assistance coverage, an additional limit of €15,000 is established for other non-medical expenses, such as search and rescue, emergency transportation, prosthetics, pharmaceutical expenses, and rehabilitation.

• Travel Assistance expenses outside of Spain: This is guaranteed only for the covered sports activities and according to the following conditions: LINK

Excerpt from the General and Specific Conditions of the Policy

For insured individuals who are not residents of the EEA, the coverage period cannot exceed the duration of their stay in the EEA.

For the purposes of this contract, an accident is defined as a bodily injury resulting from a violent, sudden, external cause beyond the insured person's control, occurring during the practice of the described water activities, which directly causes any of the following consequences:

• Death, occurring immediately or within five years from the date of the accident.

• Proportional Permanent Disability, verified within five years from the date of the accident, with compensation to the insured based on the degree of disability (according to the policy scale).

• Medical expenses, pharmaceutical costs, transportation, hospitalization, treatment in a Hyperbaric Chamber, and rehabilitation required by the insured as a direct consequence of an accident covered by the policy, within one year from the date of the accident.

• Civil Liability towards third parties for personal or material damage unintentionally caused by the insured.

Additionally, the following are considered as accidents

• The unintentional ingestion of toxic or corrosive substances.

• Infections resulting from bites, stings, or an accident covered by the policy.

• Injuries sustained in self-defense or while rescuing others.

Exclusions

The following are excluded from the insurance coverage:

• Suicide or the consequences of attempted suicide.

• Criminal or intentional acts committed by the insured or their beneficiaries (or with their cooperation).

• Accidents occurring under the influence of alcohol or drugs.

• Any activity other than the practice of the described water sports as an amateur.

• Armed conflicts or war, even without an official declaration of war, as well as extraordinary events covered by the Insurance Compensation Consortium (terrorism, catastrophes, etc.).

• Illnesses of any kind, including heart attacks, strokes, and HIV.

• Individuals over 70 years of age or those affected by severe conditions such as: blindness, bilateral deafness, stroke, paralysis, epilepsy, mental illness, diabetes, hemophilia, spinal cord diseases, or any similarly serious condition.

• Non-compliance with current regulations for the practice of scuba diving/spearfishing.

Regarding the Civil Liability coverage, the following are expressly excluded:

• The exercise of any professional activity.

• Acts of bad faith by the insured.

• Operation of aircraft, vessels, and motor vehicles.

• Fines or economic sanctions.

• Contractual obligations of the insured, and the non-fulfillment or default of a legal or contractual insurance obligation.
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