Why should I purchase a Jiu Jitsu insurance injury policy if I already have health insurance?



In the US, the average individual health insurance deductible is about $2500. Many people and families have deductibles well over $5000 with out-of-pocket maximums sometimes well over $20,000. Meaning that if you get hurt, you could potentially pay at least your amount out-of-pocket, or more.

Jiu Jitsu insurance policies help bridge the gap so that you aren’t drowning in medical expenses after you suffer a sudden injury, they pay you to cover the medical bills that your health insurance plan might not cover.



What if I don’t have health insurance coverage?



Our programs do not require you to have a health insurance policy although of course we recommend it. Although we are not a health insurance substitute our policies will still pay you for your medical bills if you don’t have a medical policy.



Where is Jiu Jitsu Insurance for ATHLETES available?



The eligibility to enroll in these insurance programs vary on a state-by-state basis, in other words different insurance companies offer different programs in certain states. But don’t worry, we do all the searching for you and will find you the best insurance plan based on your age and where you live.



The good news is that once you are enrolled in these programs you can use your policy anywhere and anytime because there are no network restrictions.



What does my personal Jiu Jitsu insurance policy cover?



Just about any injury or accident. From open mats to daily errands. From falling off your ladder to tripping over a shoe in the middle of the room. When accidents or injuries happen, this accidental injury policy covers them.

These programs do not cover medical conditions (such as illness), or pre-existing injuries.

 When you get a quote from us we will also send you a list of what is and is not covered by the insurance plan.

What is considered a pre-existing condition?



One standard definition of a pre-existing condition is : "Having any injury or conditions for with you were diagnosed or consulted a physician for within 12 months prior to the date you first become insured under the policy.”



That said, benefits would not be payable for that specify injury or condition that occur in the first 12 months after the date you become insured under this policy. Keep in mind that at the end of the day these programs only cover accidental injuries that happen after your policy is active.

When you get a quote from us though we will send you over a list of any exclusions.



Is there a specific network of Doctors or Hospitals I need to stick to?


When you get hurt or injured all you need to do is GO to the Doctor and get treated! If you have an accident or injury focus of your injury and get the care you need. With these types of policies, you can go to any licensed physician anywhere you need and at any time. There are no network restrictions so you can visit any emergency room, hospital, or urgent care that is convent for you.



How do I submit a claim?



You will get a check in the mail after you submit a claim to the insurance company. When you submit a claim form you just need make sure you have the providers name, address, and phone number for all claims. Provide the first diagnosis date for the health condition for which claims are being submitted. Most insurance companies will request either itemized bills which include dates of service and procedure codes or a general exploitation of benefits (e.g., CMS 1500, UB04, etc. ).



Are these regular health insurance plans?



These plans don’t work like typical health insurance plans so you don’t even need to provide you provide policy details when you get to the facility like you might be used to. Unlike health insurance companies who pay the doctor’s office directly these plans send you the check money directly after you submit your claims.

Make sure you explain to your Doctor how the injury happened so your medical records are accurate. Whatever treatment your physician recommends as treatment should be covered whether its diagnostic tests, scans or surgery, specialist visits, hostile stays, ambulance rides, air ambulance rides physical therapy, and more.

Do you have family plans available?


We do! Your family members can get the same coverage as you!



Am I required to see a licensed medical professional for reimbursement of my medical costs?



Yes, the coverage we offer helps you pay for the medical bills you receive. Your medical treatment needs to be reasonable, customary, and come under the guidance of a licensed medical professional.



Is there someone who can help me answer my questions?



Yes, you can email us at info@jiujitsuinsurance.com or text us at 414-467-6448 and we will connect with you at your earliest convenience.