Insurability in such cases involves a highly individualised underwriting process, focusing on the specifics of the risk presented, the level and duration of cover required, and the nature of the sport involved. The key factors insurers consider is not just the surgery itself but also the decision to resume sporting activities post-surgery. The type of sport, its competitive level, and the environment in which it is played are all critical in assessing the risk.
For someone engaging in potentially high-risk sports activities post-surgery, it’s essential to discuss these details with an insurance advisor who may need to look for a specialist insurer equipped to handle such unique scenarios. The insurance industry has guidelines on what types of sports are generally insurable and those which are considered too risky.
Therefore, each case is assessed on its merits, and while prophylactic surgery might resolve a potential health issue, resuming high-risk sports could complicate the insurance assessment. It’s advisable to provide all relevant details to your insurer or broker so they can accurately evaluate the situation. Insurers aim to cover risks they fully understand, so thorough and honest disclosure is crucial to finding suitable cover.