Skydiving Insurance

[Gravitymaster 0]

If a law was passed that required you to have sufficient medical insurance to cover you in the event you were permanently disabled while skydiving and that insurance would cost $3000. per year, would you continue to jump?

[RevJim 0]

Sorry, I choose option 5. Bandit jumps and/or BASE.

It's your life, live it!
Karma
RB#684 "Corcho", ASK#60, Muff#3520, NCB#398, NHDZ#4, C-33989, DG#1

[unformed 0]

What if my company offers health insurance?

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[jumpergirl 0]

That's a tough question. That comes out to $250 a month. If I was making enough money to pay that kind of insurance, I would say yes without a doubt. Considering right now I don't have that kind of money I would have to say only if it's $1,500 and no more.

[kelel01 1]

Anybody who skydives without health insurance is a moron. Anybody who drives down the street without health insurance is a moron. No offense to the 100's of morons I certainly just offended.

(You should all have disability insurance, too, assuming you're employed and actually need the money you earn).

But if the mandated insurance for skydivers cost $3k a year, at least with my current pay, I would quit jumping until I made enough not to feel a 3 grand/year insurance policy.

[GTAVercetti 0]

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If a law was passed that required you to have sufficient medical insurance to cover you in the event you were permanently disabled while skydiving and that insurance would cost $3000. per year, would you continue to jump?

My company pays most of my health insurance, so this contrived situation is irrelevant to me.

Why yes, my license number is a palindrome. Thank you for noticing.

[AggieDave 6]

I have health insurance now that covers skydiving accidents. It doesn't cost nearly that much, not even close.

Eitherway, $250 a month? It would suck, it would cut down on the number of fun jumps I do, but I can cover that cost with just doing tandems.

--"When I die, may I be surrounded by scattered chrome and burning gasoline."

[Gravitymaster 0]

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I have health insurance now that covers skydiving accidents. It doesn't cost nearly that much, not even close.

Eitherway, $250 a month? It would suck, it would cut down on the number of fun jumps I do, but I can cover that cost with just doing tandems.

Thats the amount I was quoted last year for a $250,000 term life insurance policy. Have you ever shopped around for medical insurance for a self-employed person that would cover you for skydiving?

[kelel01 1]

Well, for a self-employed person, $250 a month isn't a bad price for health insurance. It's extremely high for term life, though. Have you looked into the USPA's AD&D coverage?

I think realistically, though, legislation like that would never be passed. It would have to have some sort of "reasonable alternative" clause, like a comparative plan with your employer. But if you're complaining about $250/month for health insurance, you need a reality check.

Not directed at you, Gravitymaster. Just "you", the generalized other.

[AggieDave 6]

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Have you ever shopped around for medical insurance for a self-employed person that would cover you for skydiving?

Actually, yes. Its easier for me though, since my dad is an insurance man. He's also an independant so I asked him to find me a good deal with good coverage. He did.

It is for Health insurance NOT Life insurance. Huge difference.

--"When I die, may I be surrounded by scattered chrome and burning gasoline."

[kansasskydiver 0]

My heath insurance and life insurance covers me. I have a $5million max and it costs me $85 a month (includes dental)

<--- See look, pink dolphins DO exist!

[Vallerina 2]

If I had to spend an extra 3 grand a year on insurance to skydive, I doubt I would continue to jump.

There's a thin line between Saturday night and Sunday morning

[linny 1]

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My heath insurance and life insurance covers me. I have a $5million max and it costs me $85 a month (includes dental)

And might you be willing to share the details with the rest of us morons?

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[Gravitymaster 0]

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Well, for a self-employed person, $250 a month isn't a bad price for health insurance. It's extremely high for term life, though. Have you looked into the USPA's AD&D coverage?

I know, in fact thats a pretty reasonable rate but that depends on the deductable and the details of the policy. Many of the low priced policies I've looked into have a lot of exclusions including Skydiving, riding a motorcycle, surfing etc. When you start adding those activities on, the rates skyrocket. I haven't looked into USPA's AD&D in a few years so I don't remember the rate but as I recall it only covers skydiving, so the premium would be in addition to a regular life insurance policy.

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I think realistically, though, legislation like that would never be passed. It would have to have some sort of "reasonable alternative" clause, like a comparative plan with your employer. But if you're complaining about $250/month for health insurance, you need a reality check.

Unfortunately the "reasonable alternative" might be not to engage in "risky sports" ctually the reason for this poll has nothing to do with me searching for answers about insurance, it has more to do with another thread. I was just curious how many people would quit jumping if they were forced to have insurance coverage for skydiving.

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Not directed at you, Gravitymaster. Just "you", the generalized other.

Noted.

[Gravitymaster 0]

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My heath insurance and life insurance covers me. I have a $5million max and it costs me $85 a month (includes dental)

Please provide me with the name of the Insurance Company. Thanks.

[kansasskydiver 0]

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My heath insurance and life insurance covers me. I have a $5million max and it costs me $85 a month (includes dental)

And might you be willing to share the details with the rest of us morons?

Sure:

I'm 23, $1000 deductible per year on major accidents, $25 copay her doctor visit. $300 in lab work and xrays. Max pay of $5million. will cover me in the event of a skydiving accident.

Dental covers 1 xray per year, and one mre or something per 3 years. 2 free visits per year, all cleaning etc then 80% on anything else

Life insurance for $50,000.00 covers me unless suicide (skydiving, base, bungy etc not considered suicide). Costs me $9 per month and I pay quarterly.

My health plus dental is $89.51 a month. Health insurance really isn't that expensive. I can go to a $2000 deductible and lower it to about 60 a month. My premium is going down to $75 I believe in a couple months too.

I was covered under my parents until last month when I signed up for this. REason I got it? My friend and jumping buddy went into the hospital on a wednesday because of a headache, 3 days later she had major brain surgery to remove a brain tumor in her brain stem... No insurance can kill you in other ways, i.e. financially...

<--- See look, pink dolphins DO exist!

[kelpdiver 2]

I'm paying a similar amount for a Blue Cross PPO plan. 33, San Francisco zip code, $98 (?) a month I think. High deductable of course - $1000. I believe it goes by the name PPO Saver.

A couple months ago someone mentioned a new Blue Cross offerring that was advertized towards higher risk lifestyles. Same sort of prices.

These may both have been specific to California - the organizations appear to be state based, which may make individual coverage easier here than in a smaller state.

As for the polling question, I wouldn't agree to any such requirement, not when the bulk of uninsured accident costs are driven by motorists, often drunk ones, that crash. I also oppose any motorcycle helmet law revisions that exempt riders willing to carry an additional policy.