ČADG Property and Liability Insurance and Accident Insurance ČOV (ČUS)

Property and liability insurance — Generali Česká pojišťovna

ČADG has arranged property and liability insurance for its members and for participants in ČADG events.

1. Who is insured

The insurance covers:

full ČADG members for the duration of their membership,
participants in ČADG events who pay an entry fee or event fee (so-called short-term members).

The policyholder is Česká asociace discgolfu, z. s.

2. Which situations are covered

The insurance covers liability for damage or harm a member causes to a third party:

bodily injury (injury, death, including mental distress),
property damage (damage, destruction, loss or theft of an item),
pure financial loss (e.g. financial harm without direct damage to health or property).

This is conditional on the damage occurring:

while playing disc golf, training or being present on the disc golf course,
in direct connection with disc golf activity,
on the territory of the Czech Republic,
during the period of insurance and membership.

The insurance also covers damage caused to active participants in an organised sports competition.

3. Indemnity limits

Sublimit per insured person per claim event: CZK 1,000,000
Maximum payout per insured person per policy year: CZK 2,000,000
Total payout for all insured persons per policy year: CZK 2,000,000
Special limit for damage to disc golf equipment entrusted to ČADG: CZK 200,000

4. What the insurance does not cover (key exclusions)

The insurance specifically does not cover:

damage caused intentionally,
damage occurring during business or for-profit activity, and others.

The full list of exclusions is set out in the policy terms.

5. Important notice

The insurance does not cover a member's own injuries or losses.
Only liability for harm caused to other people is covered.

6. How to proceed in the event of a claim

Document the event — photographs, description, witnesses.
Fill in the Report an Insurance Claim (link below) and send the event documentation to vr@cadg.cz.
A ČADG representative will file the claim.
The ČADG Executive Board will notify the person who reported the claim about the next steps.

Report an Insurance Claim

UNIQA accident insurance

UNIQA's accident insurance also covers members of the Czech Disc Golf Association (ČADG) through their membership in the umbrella sports body, the Czech Sports Union (ČUS).

1. Who is insured

The insurance covers:

members of sports federations affiliated with ČUS (including ČALD and therefore ČADG),
all participants in organised events (training sessions, tournaments, competitions, championship events, training camps, recruitment events),
people working at these events in an employment or contractual capacity,
non-members taking part in an organised sports event.

The following are not insured:

professional athletes,
people engaging in activities that are not organised by a sports federation or club.

2. When the insurance is active

during organised sports activities (disc golf tournaments, leagues, training sessions, training camps),
during organised travel to these events,
worldwide.

3. What counts as an accident

sudden, unexpected action of an external force or of one's own physical force,
dislocations, tears of tendons, ligaments or muscles,
burns, lightning strike, electric shock,
drowning, tetanus or rabies arising from an accident.

What is not an accident:

psychological or mental conditions,
heart attack, stroke,
fatigue or stress fractures,
hernias without an external mechanical cause,
intentional self-harm or attempted suicide.

4. Overview of insurance cover

Athletes aged 18 and over

Accidental death: CZK 500,000
Permanent disability (from 0.5%, PROG6): CZK 500,000
Bodily injury: CZK 30,000
Funeral expenses: CZK 100,000
Cost of a wheelchair: CZK 150,000

Athletes under 18

Accidental death: CZK 200,000
Permanent disability (from 0.5%, PROG6): CZK 500,000
Bodily injury: CZK 30,000
Cost of a wheelchair: CZK 150,000

Employees (coaches, etc.)

Accidental death: CZK 500,000
Permanent disability: CZK 500,000
Daily benefit for incapacity for work: CZK 250/day (from day 22, backdated)

5. How the payout works

Permanent disability is assessed as a percentage based on the insurer's tables.
Under the PROG6 progressive scheme, the resulting payout can be up to six times the sum insured.
Where death is the result of a road accident, the payout is doubled.
Age over 70 means the payout is automatically reduced by 50%.

6. What to do after an accident

Immediately:

Seek medical attention.
Ask the doctor for a report and documentation.
Notify the event organiser / the responsible person at the event.

Afterwards:

Fill in the interactive form quoting policy number 3558001543, or the electronic form, which can then be printed and sent by post to UNIQA pojišťovna, a.s., Evropská 810/136, Vokovice 160 00 Praha 6, delivered in person at a UNIQA branch, or attached to the interactive form.
Supply the required documentation for the claim (medical reports, hospital records, etc.).
For a workplace injury, provide the employer's record.
Notify the ČADG Executive Board at vr@cadg.cz of the accident and of the claim filed with UNIQA.

7. What you need to know for disc golf

Injuries such as sprains, falls, impacts and ligament tears are typically covered.
The insurance covers training sessions and tournaments run by a club or a federation.
Recreational play outside organised activities is not covered.

8. Detailed information about the insurance

The accident insurance is arranged by the Czech Olympic Committee and brokered through the Czech Sports Union. The Czech Flying Disc Association (ČALD) is a member of both organisations, and ČADG forms part of it.
A detailed description of the insurance, the required documents and the claim notification are available HERE.

9. Supplementary accident insurance for athletes

The Czech Olympic Committee and the Czech Sports Union also offer a discounted Supplementary Accident Insurance for athletes from Colonnade. Detailed information is available HERE.