Why health insurance is important if you play sport (2024)

If you are a sportsperson, regardless of if it’s at an amateur or professional level, it is almost inevitable that you will experience injury at some point.

Whether it’s a sprained ankle, broken leg, concussion or something else, having a health insurance policy in place can be crucial in supporting your journey back to good health. By having private hospital cover, you can enjoy a more relaxed recovery experience in a private hospital with your choice of available doctor, in the event you are admitted to hospital for a serious sports injury such as a joint reconstruction. An extras policy can also be useful, particularly for services such as physiotherapy or chiropractors, which are commonly used by sports players.

Despite the risk of injury associated with it, participating safely in sports is great for your health, and it can even contribute to an increased life expectancy. In fact, some particular sports have been known to add more years onto your life than others, particularly when playing at a professional level. That’s why the health experts at Compare the Market have decided to explore what sports impact the life expectancy of elite athletes the most.

To answer this question, we’ve calculated the life expectancy of elite athletes across 10 sports, and with the help of an expert, analysed the causes of death.

In the table below, you can see our findings and how the life expectancy connected to each sport compares to the life expectancy of the world in general.

A discussion with Professor Alan Pearce

We discussed our data findings with the Director of NeuroSports Labs and Adjunct Professor at La Trobe University, Professor Alan Pearce, to further understand how life expectancy and playing elite level sport intertwines. In particular, we wanted him to help us understand whether our findings in the table above are supported by scientific evidence.

Professor Pearce is a neuroscientist with over 20 years’ experience, here’s what he had to say about the results.

On the link between boxing and lower life expectancy…

“When it comes to boxing, it’s likely that this data reflects an effect of the accumulation of multiple bodily injuries, particularly impacts to the brain, during competitive boxing over their lifetime. We certainly now understand the long-lasting, detrimental effects of repetitive impacts to the brain, with previous research dating back to 1928 in boxers. There’s no doubt that repetitive head knocks are associated with cognitive impairment, early onset dementia, and therefore contributing to reduced life expectancy.”

Can you speak to the 13-year disparity between boxers and tennis players?

“It’s not surprising given the characteristics of the sports (contact vs non-contact), and the accumulation of repetitive trauma, not only to the brain which increases the risk of dementia and other neurogenerative diseases, but also physical trauma from repeated impacts to the body from boxing leading to less mobility later in life through osteoarthritis which can affect cardiovascular health also.”

What measures need to be taken to mitigate head trauma in certain sports?

“We will never be able to mitigate head trauma in combat and contact sports, so adults who wish to participate have to fully understand and accept the risk of playing these sports. However, we can reduce the exposure of trauma and this is starting to happen now. We are seeing this in the UK with the banning of headers in children’s soccer up to the age of 12, limiting of heading in training at the elite levels, and there is a push to modify football codes to being fully non-contact up to the age of 14.”

Will head knocks affect the future of sports?

“While sports are good for our physical health, some sports do have some elements of risk. However, as long as adults who play these sports understand the risks, and they’re not downplayed, then we should allow these sports to continue. Most importantly, it’s paramount we foster a culture that treats brain injuries as serious and that players need to fully recover before returning to play.”

Why health insurance is important if you play sport (2024)
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