ACCIDENT/OVERUSE BENEFITS EXPLAINED

A sport accident (acute injury) can be any unexpected and unintentional event that can occur by chance while competing in or practicing for a sport. A sport accident can result in various injuries, most common of which are strains, sprains, broken bones, fractures and accidental dental claims.

“Overuse” is a chronic injury that can happen over a period of time as a result of repetitive activity. The most common of which are tendonitis and stress fractures. Over the years, “overuse” insurance claims have been the most prominent in CAIP, representing at least 70% of all paid claims in a given year in the In Canada insurance..

Consequently, the claims are handled differently for these two benefits.  The sport accident has to occur while the member is insured in CAIP and we pay the insured expenses within 52 weeks after the date of the accident.

Overuse injuries are handled a bit differently.  The treatment for the overuse injury has to be received when the member is enrolled in CAIP.  This is because overuse is a chronic injury and there is not a specific date of accident.

OVERUSE coverage applies to:

• Physiotherapy
• Athletic therapy (CATA)
• Massage therapy
• Chiropractor
• Orthotics

All other benefits in the CAIP Insurance Program is as a result of a sport accident.