health insurance doesn't cover....

[Lowe119]

My company has some sort of 'self-insurance' and they implimented a policy where if anyone gets hurt doing anything they deam as wreckless - they are NOT covered.  They specifically list riding motorcycles and atv's without helmets and follow it with 'any activity deamed wreckless.
So is this common? Do y'all's health insurance cover you if you get hurt racing? I'm thinking about dropping it. I don't see why they couldn't just make anything up they wanted to 'deam it wreckless." That just seems to subjective to risk my health over.

[Bernie]

That policy sounds like it sucks the fat dog's ass.  Who do you work for?

[collision_pro]

Sounds to me like you fell walking down the street! ;) But that does suck! What do you pay???

[spyderchick]

...They specifically list riding motorcycles and atv's without helmets and follow it with 'any activity deamed wreckless.

You race without a helmet?  :o Dude, they let you do that? (just kidding) ;)

Yeah, many policies specifically have motorsports clauses. It might be difficult for you to find insurance on your own that would be affordable.

What "self-insurance" means is that they are putting aside the money in some sort of investment, banking that no one will get seriously ill while employed. There's usually a third party that manages the fund, and it could be a group of several businesses.  

[cstem]

These policies are real common, even with major carriers like Aetna.  Riding a street bike and being in an accident no fault of your own is usually okay.  Most policies have a statement about racing, competition or speed trials.  Everyone should look into their respective policies.  I for one have "fallen down while wahing the car in the driveway".  This is why some racers will forgo the ambulance ride to a hospital as the emt report will state where they got you from.  However, if you need an ambulance for serious injury, I would take it- your life is not worth it.

[K3 Chris Onwiler]

I've fallen off my MOUNTAIN BIKE a few times as well, and my insurance doesn't exclude racing.  I just don't want them getting pissed off and excluding it later.  I did have to take the white bus once though, and they paid no problem.

[james-redsv]

CCS covers up to $3000 of medical bills if you are hurt during a race dont they?  ::)

[duc995@aol.com]

So I guess they don't pay for tobacco related illness then?  Can't get much more "reckless" than that...

[dwilson]

Keystone East covers me for racing.  I called my human resources and Keystone East, they both confirmed it...  go me.

[Jeff]

'Jeff to E.R. doc'
"I slipped in some wet grass and fell down"
(hey, I wasn't lying!)

Now then...  My family doctor (doc twist-n-poke) walks in.  She knows I race and started laughing at my statement...  She countered with "how fast was the bike going when you slipped?"  DOH!

Really though, I think you'd be a fool to flat out say "I crashed in a motorcycle race" if you need doctor attention following a crash incident.  There are too many other lines...  "I fell down", "I crashed my bike", "I slipped", or something as simple as "I twisted my ankle"...  Hey, it isn't lying!

[CCS]

Depending on the contractual requirements, CCS carries a minimum of $5,000 (with $1,000 deductable) in Excess Medical Insurance. This coverage costs approximately $4,000 per event. At the tracks that require higher amounts, the premuim rises dramatically. Once you have satisfied your primary insurance deductable, and they pay whatever portion they will pay, then you submit the remainder to our supplimental carrier. (Other than our affiliates (LRRS-CCS Florida) and WERA, I do not believe anyone else even carries the excess medical for sportsman racing.)

[Jeff]

Thumbs up for CCS...

(you just don't hear that too often, so I figured I'd give it where due...)