FAQ - Questions/Answers

 

I participate in the UTMB, other trail races, or the French Freeride. Will I be covered?

 

Yes, EKOSPORT+ insurance covers you when participating in sporting competitions, unless these events are organized by a sports federation with an official license. In that case, EKOSPORT+ insurance supplements the coverage provided by your official license.

 

 

In the event of a serious bodily injury, am I covered?

 

Yes. A SERIOUS BODILY INJURY refers to a sudden deterioration in health caused by an unforeseen and unintentional external factor on the part of the victim, as determined by a qualified healthcare professional. This accident must result in the prescription of medication for the person concerned and necessitate the cessation of all professional or other activities.

 

In the event of a serious illness, am I covered?

 

Yes. A SERIOUS ILLNESS refers to a sudden and unpredictable deterioration in health, diagnosed by a qualified healthcare professional, requiring the prescription of medication and the cessation of all professional or other activities.

 

Is acute mountain sickness covered?

 

Yes, search and rescue costs are covered in the event of an accident or illness, including acute mountain sickness. You will be rescued if necessary.

 

 

Can I be covered abroad?

 

Yes, coverage is valid worldwide for trips abroad not exceeding 90 consecutive days.

 

Which sports are covered?

All sports activities practiced privately are covered, including kitesurfing and speed riding. However, some sports are excluded, such as motorsports, caving, and air sports.

 

Are extreme sports covered?

 

Sports such as kitesurfing and speed riding are included, but air sports, motorsports (excluding e-bikes), and certain high-risk sports are excluded.

 

 

I would like to purchase day insurance. If I want to be insured for tomorrow, do I need to subscribe tonight?

You can choose the start date of your coverage. Therefore, you can subscribe today to be insured starting tomorrow or at a later date.

 

 

Are helicopter costs covered?

 

Yes, rescue and medical transport costs, including helicopter transport, are covered up to a limit of €15,000 for the insured activities.

 

Are search and rescue costs at sea or in the mountains covered?

 

Yes, search and rescue costs at sea or in the mountains are covered, up to the limits specified in the coverage table, only if the intervention is carried out by an approved company. Emergency costs are only covered if your life is in danger.

 

Are rescue costs on ski slopes covered?

 

Yes, if you are involved in a skiing accident on open and marked slopes, we cover rescue costs, including transport by sled or helicopter. This coverage is valid until the end of your stay, or for 48 hours following the rescue intervention.

 

Beneficiaries

 

Who can be insured?

 

Anyone residing in France, the French Overseas Departments and Regions (DOM-ROM-COM), or in Europe (Germany, Andorra, Austria, Belgium, Bulgaria, Cyprus, Croatia, Denmark, Spain, Estonia, Finland, Metropolitan France, Gibraltar, Hungary, Greece, Ireland, Italy and Islands, Liechtenstein, Latvia, Lithuania, Luxembourg, Malta, Principality of Monaco, Norway, Netherlands, Poland, Portugal, Romania, United Kingdom, Slovakia, Slovenia, Czech Republic, San Marino, Sweden, and Switzerland) can subscribe to SPORT+ insurance.

Beneficiaries must participate in sports activities privately.

 

Medical Expenses and Interruption of Activities

 

Are medical expenses incurred in my country of residence reimbursed?

Medical expenses are covered, with a limit of €1,500 per claim and a deductible of €30. This coverage is only supplementary to your health insurance.

 

Are medical expenses incurred outside my country of residence reimbursed?

 

Medical expenses are covered, with a limit of €1,500 per claim and a €30 deductible. Dental expenses are covered up to €300.

 

 

Is my sports equipment covered in case of theft or damage?

 

Yes, the policy covers theft, destruction, or loss of personal sports equipment, up to a limit of €3,000 per year and per event. Compensation is provided in the form of a voucher.

 

What cases are not covered for sports equipment?

Theft without forced entry, gross negligence, damage due to normal wear and tear, or Improper use, as well as telephones and computer equipment, are not covered.

 

 

Endurance and Outdoor Sports

 

Running / Jogging, Trail Running, Race Walking, Nordic Walking, Hiking, Canicross, Road Cycling, Mountain Biking, Gravel Biking, Rollerblading, Skiing, Cross-Country Skiing, Ski Touring, Snowboarding, Snowshoeing, Orienteering, Biathlon, Triathlon, Duathlon, Aquathlon

 

Mountain and Adventure Sports

 

Climbing, Bouldering, Via Ferrata, Canyoning, Glacier Hiking

 

Team Sports

 

Football, Futsal, Rugby (13, 15, Touch, Flag), Basketball, Handball, Volleyball / Beach Volleyball, Field Hockey / Indoor Hockey, Ultimate Frisbee, Kin-Ball, Dodgeball, Water Polo

 

Wellness, Mobility, and Relaxation

 

Yoga, Pilates, Stretching, Tai Chi, Qi Gong, Gentle Gym

 

Sports of Racket sports

 

Tennis, Badminton, Squash, Table tennis, Padel, Speedminton

 

Water sports (non-motorized)

 

Swimming, Open water swimming, Freediving (apnea), Scuba diving (recreational), Canoeing/Kayaking, Rowing, Stand-up paddleboarding, Surfing/Bodyboarding, Wakeboarding (cable)

 

Precision sports

 

Archery, Golf/Mini-golf, Pétanque, Boules lyonnaises, Curling

 

Animal activities

 

Horse riding, Horseball, Polo, Carriage driving

 

Gymnastics and artistic sports

 

Artistic/rhythmic gymnastics, Trampoline, Parkour/Freerunning, Circus arts (acrobatics, aerial silks…), Dance (classical, hip-hop, contemporary…), Figure skating/Ice dancing, Baton twirling

 

Mixed and tactical sports

 

Multisport raid, Swimrun, Cross-training in nature, Bootcamp Orienteering sports, Paintball / Archery Tag (non-motorized)