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Golf Insurance in India

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Terms and conditions

  • I/We, hereby declare that the statements and particulars given in this Proposal form are complete, true and accurate and I/We agree that the Insurance company will not be liable under the insurance contract if it is found that any of my/our statements or particulars or declarations in this proposal form or other documents are incorrect /misleading /Fraudulent in any respect on any matter to the grant of a cover or submission of claim in future
  • I declare that the premium paid under this transaction to Go Digit General Insurance Limited is being paid by me i.e. the proposer/policyholder through a bank account or a Credit/Debit Card or a Prepaid Payment Instrument or a UPI wallet (Wallet), held by me in my name as a primary holder (referred to as “source account”). I confirm that it is not a third party payment made by any other person on my behalf. I understand that in the event of a policy cancellation, the refund of premium as per policy terms and conditions may be credited back to such source account and such electronic transfer will constitute full and final discharge of the Company's obligation.
  • I/We further declare that l/we will notify in writing any change in the details so furnished hereinabove occurring after the proposal has been submitted but before communication of the risk acceptance by the Company.
  • I/We authorize the Company to share information pertaining to my proposal including medical records for the sole purpose of proposal underwriting and/or claims settlement and with any Governmental and/or Regulatory authority.
  • By submitting your contact number and email ID, you authorize Go Digit General Insurance (Digit Insurance) to call, send SMS, messages over internet-based messaging application like WhatsApp and email and offer you information and services for the product(s) you have opted for as well as other products/services offered by Digit Insurance. Please note that such authorization will be over and above any registration of the contact number on TRAI's NDNC registry.

Golfer Insurance in India

golfer insurance

A beautiful day of golfing or even a tournament can be ruined by a number of mishaps that might occur throughout the game, both on and off the ground.

Imagine hitting an accidental shot that damages someone’s property or losing your expensive golf clubs. Situations like these lead to unexpected expenses. That’s where “Golfer’s Insurance” comes in! 😄

Golfer Insurance is an overlooked safety net that ensures peace of mind and protects golfers from financial losses due to accidents, injuries or equipment damage. Whether a weekend enthusiast or a pro player, you must consider adding insurance to your bag of essentials.

What is Golfer Insurance?

A Golfer insurance policy shields players from any harm, loss, or damage that might arise while they are playing the game. Regardless of whether they are practising or competing in a tournament, both amateur and professional golfers benefit from this insurance.

With golf insurance, players (you) can unwind and concentrate on their game without having to worry about unforeseen circumstances that could happen on the course.

Why is Golf Insurance Essential?

Golf insurance is essential for several reasons. It provides financial protection against various risks associated with playing golf, including damage to golfing equipment, personal accidents, and third-party liabilities.

Here are three reasons why golfer's insurance is essential:

High Incidence of Injuries

Studies have shown that the annual injury rate among professional golfers ranges from 31% to 90%. (1)
Common injuries include those to the lower back, elbows, and shoulders, hence making golf insurance cover essential.

Financial Investment in Equipment

The golf equipment market in India is substantial, with revenues projected to reach US$3.20 billion in 2025. (2) With such significant investments, protecting equipment against damage or theft becomes crucial.

Liability for Accidental Damages

Golfers may inadvertently cause damage to property or injure others during play. Without insurance, they could be held personally liable for medical expenses or repair costs, leading to unexpected financial burdens.

Who Should Get Golfer’s Club Insurance?

No matter your skill level, golfer’s insurance is a smart investment that protects you from financial losses due to accidents, theft or liability claims. If you love the game, it makes sense to ensure you can play without unnecessary worries! 🙂

Here’s who should definitely consider getting insured with a golf plan insurance:

1. Amateur Golfers

If you play golf for leisure, you might think insurance is unnecessary. However, accidental injuries or damage to property can happen at any time. Golf insurance ensures you don’t have to pay out of pocket for any damages.

2. Professional Golfers

Professional golfers often carry high-end equipment, travel frequently for tournaments, and are at a greater risk of injury. A golf insurance policy can cover medical expenses, lost equipment and even liability claims.

3. Golf Club Members

If you are a member of a golf club, you already invest in yearly fees and equipment. Some clubs may offer basic insurance, but it might not cover all risks, such as damage to personal clubs or third-party injuries. Having personal golf insurance ensures full protection beyond what the club provides.

4. Frequent Travellers

Many golfers travel to play at different courses, both within India and internationally. Travel increases the risk of lost or damaged equipment, baggage delays, and unexpected accidents on foreign courses. A golfer’s insurance plan can offer worldwide coverage, giving you peace of mind wherever you play.

 

Note: Currently, at Digit, we only offer Golfers insurance for amateur players only.

What’s Covered in Digit Golfer’s Package Insurance Policy?

Public Liability

This coverage protects you against legal liabilities arising from third-party bodily injury or property damage caused while playing or practising golf on any recognised golf course.

Damage or Theft to Golfing Equipment

If your golfing equipment gets damaged or lost by theft or any unforeseen event, this policy will provide coverage up to the sum insured or the limit of indemnity mentioned in the policy schedule.

Personal Accident for Insured

This section covers you in case of an accident while playing golf. If the accident results in permanent partial or total disability or death, the policy will provide the sum insured amount as per the policy schedule.

Accidental Hospitalisation

If you are hospitalised as an in-patient (for a minimum of 24 hours) due to an accident while playing golf, the policy will cover the treatment expenses. This includes accommodation, ICU charges, medication, diagnostic procedures, and operation theatre fees.

Personal Accident for Caddy

This section covers your caddy in case of an accident on the golf course. If the accident results in permanent partial or total disability or death, the policy will provide the sum insured amount as per the policy schedule.

Dental Cover

If you get struck by a golf ball while playing, resulting in severe dental pain that requires immediate medical attention, the policy will provide compensation for the medical charges incurred for emergency dental pain relief.

Accidental Damage to Third-Party Property

This coverage indemnifies you for losses from accidental damage to third-party property struck by a golf ball while playing or practising golf on any recognised golf course or driving range.

Hole in One (for Amateurs Only)

If you complete a hole in just a single stroke during an organised tournament or normal golf rounds (completed 18 holes), the policy will cover the immediate expenses for celebrating the achievement.

Reimbursement of Subscription and Pre-Paid Fees

If you suffer an injury while playing golf, which leaves you unable to play for more than the number of days mentioned in the policy schedule, the policy will reimburse the subscription fees.

What’s Not Covered in Golfer’s Package Insurance Policy?

While golfer’s insurance provides valuable coverage, it’s important to understand that not everything is covered. Here are some common exclusions that golfers should be aware of before purchasing a policy:

Incidents Outside Covered Locations

Your insurance is only valid within the geographical limits mentioned in the policy. If an accident or loss happens outside these areas, the claim won’t be accepted.

Pre-existing Conditions and Known Issues

Any health condition or disability that existed before buying the policy won’t be covered. If you were already aware of a potential risk before the policy started, any related claim may be denied.

Illegal, Reckless, or Fraudulent Activities

If an incident occurs while attempting or participating in any illegal or unlawful act, the claim will be rejected. Claims based on fraud, misrepresentation, hiding information, or injuries caused by reckless behaviour will also not be honoured.

Wear and Tear or Depreciation

Golf equipment naturally wears out over time. The policy does not cover regular deterioration or depreciation of clubs, bags, or accessories. It also won't include any loss or damage that happens indirectly due to other factors.

War, Terrorism, and Radiation Risks

Damage or loss caused by war, rebellion, terrorism, or any military action is excluded. Claims related to nuclear radiation or radioactive contamination will not be accepted.

Medical and Emergency Evacuation Costs

Expenses for emergency medical evacuation are not covered under this policy. These costs must be covered separately if you need to be transported due to an injury.

Digit Golf Insurance Plans That Suit Your Needs

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Golfers Insurance India Plan

The India Plan offers coverage for golfers playing within India. It protects against equipment loss, accidental injuries, and third-party liabilities on any recognised golf course in the country. Based on the sum insured for different coverage and premium amounts, it is further divided into India Plan 1 and India Plan 2.

travelling-girl-chart-quater

Golfers Insurance Worldwide Plan

The Worldwide coverage extends beyond India, ensuring global protection for golfers who travel and play abroad. It includes benefits like equipment protection, medical expenses, and liability, making it perfect for frequent travellers and professional golfers. This plan is divided into Plan 1 and 2 based on the sum insured and premium amount.

Golfers Insurance India Plan

Golfers Insurance Worldwide Plan

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Disclaimer: All coverages apply only to the recognised golf courses within the territorial limits during the policy period.

How to Buy Golf Insurance in India?

Getting a golfer’s insurance is quick, simple, and hassle-free. Whether you're a casual player or a seasoned golfer, securing your coverage takes just a few minutes. Follow these three easy steps to get insured and play with confidence!

Step 1

Visit the Digit Insurance website or open the Digit mobile app on your phone to start the process.

Step 2

Please fill in basic information such as your name, mobile number, and email ID code and then submit the form.

Step 3

Digit representative will call you to explain the coverage options & payment process.

How to File a Golf Insurance Claim?

Filing a health insurance claim with Digit Insurance is quick and simple. Follow these steps to ensure a smooth process:

Step 1

Register your claim by calling Digit customer service at 1800-258-5956 OR send an email to hello@godigit.com.

Step 2

When registering your claim, have the following information handy to speed up the process such as policy number, location, date & time of incident, etc.

Step 3

Once your claim is registered, a Digit representative will guide you through the further process to ensure a hassle-free claim settlement.

Key Things to Know Before Filing a Golfer’s Insurance Claim

Key Things to Know Before Filing a Golfer’s Insurance Claim

Filing a golfer’s insurance claim should be a smooth process, but to avoid delays or rejections, it’s important to be prepared. Here are a few key things to keep in mind to make the process hassle-free.

  • Inform the insurance company in writing within 14 days of the incident.
  • Please send a completed claim form with details of the loss or damage and all necessary documents within 30 days.
  • Give a detailed written statement about the loss or damage and cooperate with the insurance company during their investigation.
  • Keep damaged items available for inspection.
  • For theft claims, immediately file a police report and provide copies to the insurance company.

Documents Needed to Claim Golfer’s Club Insurance

To ensure a smooth and hassle-free claim process, you need to submit certain documents. Not all of these may be required, but your insurer might ask for them based on the type of claim. Keeping these documents ready can help you speed up the process.

Common Documents Signed claim form, identity proof, loss or damage proof
In case of Damage & Theft Police report, original bill of purchase, proof of damage
In case of Hospitalisation Hospital bill, discharge summary, and any other invoices
In case of Hole-in-One Written confirmation from the golf club, a certificate from the Golfer Association, original bills of expenditure

Disclaimer: Some additional documents may be requested based on individual circumstances, policy terms, and underwriting guidelines. Please consult with the insurance provider before buying.

Top Benefits of Having Golfer Insurance

Golfer’s insurance provides peace of mind on and off the course by covering unexpected risks. Here are the key benefits of having a golfer’s insurance policy:

1. Protection Against Equipment Loss or Damage

Golf equipment is expensive, and losing or damaging your clubs can be frustrating. With insurance, you get financial coverage for theft, loss, or accidental damage to your golf clubs, bags, and accessories.

2. Third-Party Liability Protection

A wayward shot can accidentally hit another player or damage someone’s car or property. Liability coverage ensures that you’re financially protected if you’re held responsible for any damages or injuries.

3. Compensation for Hole-in-One Celebrations

Many golfer’s insurance policies include a “hole-in-one" celebration benefit, reimbursing the cost of drinks or a party if you achieve this rare feat and a fun bonus that makes the victory even sweeter!

4. Coverage for Accidental Injuries

Golf might seem like a low-risk sport, but injuries often happen. Whether it’s a muscle strain, a slip on wet grass, or a stray ball hitting someone, a Golfer’s insurance helps cover medical expenses for such injuries.

5. Peace of Mind While Travelling

If you frequently travel for golf tournaments or leisure games, a policy with worldwide coverage ensures that you’re protected against equipment loss, injuries, or third-party liabilities.

How to Choose the Best Golf Insurance for You?

Purchasing the appropriate golf insurance is more than just checking a box; it's about ensuring that you're completely covered so you can concentrate on your game worry-free. You may get the finest golf club insurance by being aware of your needs.

 

Here are tips to choose the best golfer’s insurance:

1. Determine Your Needs

Consider your specific needs for a golf insurance plan. Consider how frequently you play, how much your equipment is worth, and whether you plan to travel for golf outside the country. By determining what really matters, you can decide which features to prioritise.

2. Examine Different Policies

Spend some time researching about various policies. Look past the price tag and carefully consider what is covered, including liability coverage, coverage limits for lost or stolen equipment, and any extras like travel protection or hole-in-one celebrations. You can identify the policy that provides the most value for your money by comparing the finer points.

3. Look for Medical & Injury Protection

Golf-related injuries can lead to unexpected medical expenses. A good policy should cover hospitalisation, medical treatments, and personal accident benefits in case of serious injuries.

4. Compare Premiums & Claim Process

Find a policy that offers affordable premiums while still providing good and extensive coverage. Check how easy and quick the claim process is. A smooth claims process can save you a lot of hassle in case of an incident.

5. Understand the Exclusions

Not everything is covered under the golfer’s insurance. Carefully review the exclusions (such as alcohol-related accidents, pre-existing injuries, and normal wear and tear of equipment) to avoid surprises when filing a claim.

You'll be well-positioned to select the ideal golf insurance for your requirements by following the above steps, allowing you to play with confidence.

 

To Sum Up

Golf is more than just a sport—it’s a passion, an investment, and for many, a way of life. But like any other activity, it comes with its risks. Whether it’s an accidental injury, lost equipment, or an unexpected liability, a golfer’s insurance policy ensures that you can enjoy your game with peace of mind. With the right coverage, you don’t have to worry about the what-ifs, you can simply focus on perfecting your swing.

After all, concentration is key when playing golf, and having insurance should ease your burden.🫡

FAQs about Golfer Insurance in India