Buying sports insurance is considered as a way to ensure the safety of the player and the organization. Due to this, in case of an accident, the victim and the organization are provided with financial coverage. Sports insurance is also known as event insurance and it is a special type of coverage that is offered by insurance providers. It offers financial coverage for lawsuits, accidents and damages caused during or by a sporting event. Another thing that players usually get is body part insurance.

Now this insurance pays out financial compensation for any accidental disfigurement or damage caused to the insured body part, if the damage results in loss of work. From the most normal types of body part insurance, such as a player’s limb, to the more the bizarre kinds, including eyes or tongue, almost any body part can be insured. This type of insurance is only valid if it can be proved that loss of use of this body part would lead to significant loss of income or work. Some of the most common body parts insured in the Olympics are the head, feet, legs, knees, etc. Some of these are discussed in detail here.

Head

A concussion is an injury to the brain that is usually happens due to a blow to the head. Symptoms of this include vision disturbance, disorientation, headache, amnesia, dizziness, loss of balance, nausea and difficulty concentrating. However a concussion does not result in a loss of consciousness. Another common thing in this category is skull fracture. Now both these injuries are most common in contact sports which include boxing, football, hockey, etc. However they can also occur in other sports like gymnastics and skiing. This is why players usually tend to get their head insured.

Eyes

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Eyes are another body part that some players tend to get insured. There are many cases where the player’s eyes can be damaged. Damage to the eyes can result in severe concussion and fluttering of the eyes. This could be caused due to different sports like boxing, football, cricket, etc and because of this, some players usually get their eyes insured.

Muscles

Another part that players usually get insured is their muscles. When players do not warm up properly, or in case of fatigue, lack of flexibility and weakness the muscles of an athlete tend to get pulled. The most commonly pulled muscles are the hamstrings and these get pulled in sports which involve running, like jogging, soccer and basketball. The hamstrings are locates behind the thigh and when they get pulled they can cause severe pain to the player and can even result in bruises. Another commonly pulled muscle is the calve and this usually happens to older tennis players. While these two are the most commonly pulled muscles, while performing or playing different sports many other muscles can also get pulled.

Elbow

Another part that players usually get ensured is the elbow. Now elbow injuries can account for 7% of all sport injuries. Tennis elbow consists of tendon degeneration in the elbow which results due to repeated backhand strokes in tennis. It can result in a lot of pain on the outside of the elbow.  Golf elbow, on the other hand, tends to affect the inside of the elbow, although

it can sometimes attack the outside as well. The pain experienced in this case is due to the inflammation of the epicondyle, which is the area on the inside of the elbow where the forearm-flexing muscles attach to the upper arm.

Shoulder

Players also get their shoulders insured since 20% of sports injuries involve the shoulder. This includes dislocations, sprains and strains. Shoulder injuries mostly occur in case of weightlifting, tennis, baseball, swimming and volleyball, basically they happen in any sport that involves a lot of overhead movement. Shoulder injures result due to overuse, which loosens the rotator cuff which is the group of tendons and muscles that surround the shoulder. Symptoms in this case include pain, stiffness, and weakness and slipping in the shoulder.

Knees

Knee injuries usually comprise about 55% of all sports injuries which is why players do tend to get these insured. Although torn ligaments and cartilages are the most common injuries in this case, many knew problems are also grouped into the category of “runner’s knees”. This includes a variety of aches and pains related to the kneecap. Runners are not the only victims of these injuries; they can also strike swimmers, cyclists, people who play football, basketball and even volleyball players. Runner’s knee usually occurs when overuse leads to irritation of the tendon which lies below the kneecap or when the region underneath the kneecap is worn or afflicted with arthritis.

Shin

Some players also suffer from shin splints. In this case players suffer from pain which occurs on the inner side of the shinbone. This is usually caused due to the inflammation of the muscles that surround the shinbone. This usually affects people who aren’t used to extensive exercising. They can also be caused by increasing the intensity of workout, by jumping on hard ground or running too fast.

Thighs

Another body part that players do get insured is their thigh. This is because a strained groin or adductor muscles usually happens when a player suddenly changes directions while running. The adductor muscles are basically the fan like muscles, situated in the upper thigh which serves to pull the legs together. The strained groin happens to hockey, soccer, basketball and football players. The symptoms of this condition include sharp pain, swelling and sometimes even bruising on the inside of the thigh.

Ankle

Ankle is another body part which is very essential for players which is why they get it insured. Ankle sprains are very common among hockey, soccer, volleyball and basketball players. There are almost pretty inevitable in sports that involve running, jumping and turning quickly. These movements usually lead to twisting the ankle and can even result in the tearing of a tendon or a ligament.

Feet

For some players their feet can be very important for them which is why they tend to get them insured. Many sports can result in foot injuries. One very important foot injury is a broken metatarsal. This can happen in sports that involve running, like soccer, hockey and football.