Fight-night and claim checklists

A week or more before

• Get written confirmation from your insurerName the date, the stadium or event, and whether there's a purse.
• Check how a purse is treatedAsk whether any payment makes you a professional under the policy.
• Check your medical limit and flight homeMake sure a sports injury isn't capped lower than the main medical limit.
• Declare old injuriesA re-injured knee or hand can be refused if it wasn't declared.

On the day

• Save your insurer's 24/7 number in your phoneAnd give it to your trainer or cornerman.
• Know the nearest private hospitalAsk the promoter where injured fighters are taken.
• Carry your passport or a copyHospitals need it to admit you and to bill the insurer.
• Bring a card or cash for a depositPrivate hospitals may ask for one before the insurer confirms payment.

At the hospital

• Call the insurer's assistance lineBefore treatment if you can, so it can guarantee payment to the hospital.
• Medical report in EnglishWith the diagnosis, the treatment, and how the injury happened.
• Itemised billEvery line listed, not just a total.
• Receipts for everything you paidIncluding pharmacy, X-rays and taxis to hospital.
• Scans and test resultsAsk for copies of X-rays, CT or MRI reports.

Afterwards

• Doctor's referral for physioNeeded if you want physiotherapy paid for.
• Photos of the injuryDated photos help if the insurer asks how it happened.
• Policy number and travel datesPlus proof you were abroad, such as your boarding pass.
• Send the claim before the deadlineMany insurers want claims within 30 to 90 days.