How to Use Accident Insurance (BG) If Your Child Is Injured During Training

What to Do If Your Child Gets Injured During Training at a Sports Club

First: Don’t worry — your child is automatically covered by the club’s sports accident insurance (Sportversicherung). This insurance is provided through the regional sports association or the statutory accident insurer (VBG) and covers injuries during training, matches, and in many cases, the journey to and from training (lsb-niedersachsen.de).

---

Immediate Steps to Take

1. First Aid

Provide basic first aid using the PECH method (Pause, Ice, Compression, Elevation) and visit a doctor as soon as possible.

2. Inform the Club Immediately

Notify the coach or club official right away, even if the injury seems minor.
Delays may jeopardize insurance coverage.

3. Fill Out an Accident Report

The club provides the Unfallmeldung form.
Parents must sign it and return it to the club for submission to ARAG or the BG.

4. The Club Reports the Injury

Depending on the insurance:

• The report goes to ARAG / the regional sports association, or

• To the VBG
  Clubs must usually report within three days.

Some injuries involving equipment or helpers also require a VBG report.

5. Visit a “Durchgangsarzt” (D-Arzt)

For injuries requiring follow-up treatment, your doctor will refer your child to a certified accident insurance doctor. This doctor coordinates the entire treatment under BG coverage.

---

What Does the Insurance Cover?

Note: Sports insurance does not cover private equipment damage or injuries outside official training.

---

If You Fail to Report the Injury

• Late or missing reports may result in loss of insurance benefits.

• Even minor injuries should be reported to avoid problems with later complications.

---

Summary

• Give first aid

• Inform the club

• Complete the accident report

• Club reports to ARAG or VBG

• Visit a specialist if required

• Treatment and rehabilitation are covered