Attendees are insured for medical expenses of up to 20 UF in case of accidents one kilometer from the stadium ticket office, from 4 hours before the game and up to 2 hours after.
The major leagues in the world have insurance in their stadiums in case attendees have an accident. And despite the fact that in Chile their hiring is voluntary, all first and second division clubs have one.
This Saturday afternoon the Superclásico between Colo Colo and Universidad de Chile will be played at the Monumental, and for those attending the stadium there is an insurance that is paid by the house in case of accidents: the Insurance Fan.
What is it?
Jaime Risopatrón, commercial manager of FR Group Corredores de Seguros -which offers this insurance to clubs-, explains that it covers medical expenses and accidents of up to 20 UF (about $545,000) of all spectators, even protecting the passer, sports journalists, food vendors in the stadium, in short, anyone who is in the stadium.
In this line, in order to collect the insurance, the accident must have occurred 1 kilometer from the ticket offices, from four hours before the game and up to two hours after the game finished. In case of death, coverage is up to 200 UF (about $5.5 million). Of course, it does not cover violent events between the bars of the clubs.
Are there games with more accidents?
“Indeed, there are different risk exposures depending on the matches that are insured and the teams that participate -in this case, a Superclásico-, not only because of the insurance issue but also because it is a highly attended event and defined by the high-risk authorities”, says Risopatrón. Likewise, he adds that “the Superclásicos do not necessarily have a higher accident rate, in fact, we could say that it is quite the opposite.”</ P>
The way to collect this insurance in the event of an accident is that once the accident occurs, the person must request a certificate from the Police and attend the place of their choice. With the certificate and entry ticket to the event, contact the organizing club for reimbursement of medical expenses.
Other football insurances
There are four other insurances contracted by the clubs, where “the accident rate of the different products has risen, but in a controlled manner,” says Risopatrón.
1 Lost Earnings: due to serious injuries to professional soccer players. This would apply, for example, in the case of Claudio Bravo, who will be without playing for more than six months due to injury and Manchester City will have to pay his salary without him being able to participate competitively. In general, they are minimum premiums of US$ 30,000 per year.
2 Accident/death insurance: some insured clubs in the local environment have taken out insurance that protects events similar to what happened with the Chapecoense team , where practically the entire team suffered a fatal plane crash. These coverages are for insured amounts of around US$20 million.
3 Civil Liability Insurance: to cover risks in the event of accidents and injuries in which the organization is responsible, within a three-kilometre radius of the ticket office.
4 Injury and medical expenses insurance: for both male and female professional soccer players.
Source: La Tercera – Pulso
