Combat Sports Insurance Calculator
Fighter insurance cost from fight frequency and organization.
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Step 1 of 3
How to Use This Calculator
- Select your sport type (boxing, MMA, kickboxing/Muay Thai, or wrestling/grappling), your age, and your organization level.
- Enter your expected fights per year and prior injuries in the last 3 years, then choose a coverage type (accident only, comprehensive health, or disability/income protection).
- Set your desired coverage limit, and for disability coverage, your annual fight income.
- Review the estimated annual premium, monthly premium, cost per fight, and risk rating.
- Check the estimated deductible, coverage-per-dollar ratio, and break-even medical cost to gauge whether the policy is worthwhile.
How the result changes with Coverage limit ($)
| Coverage limit ($) | Annual premium ($) |
|---|---|
| 109,000 | $1,642.00 |
| 356,500 | $3,763.00 |
| 653,500 | $5,751.00 |
| 901,000 | $7,201.00 |
What each input means
- Age
- Fighter's age (premiums increase after 30).
- Fights per year
- Expected number of bouts per year.
- Organization Level
- Level of the sanctioning organization.
- Sport Type
- Combat sport discipline.
- Prior injuries (last 3 yrs)
- Number of significant injuries in the last 3 years.
- Coverage Type
- Type of insurance coverage.
- Annual fight income ($)
- Annual income from fighting (used for disability coverage).
- Coverage limit ($)
- Maximum payout limit for the policy.
What each result means
- Annual premium ($)
- Estimated annual insurance premium.
- Monthly premium ($)
- Monthly payment amount.
- Cost per fight ($)
- Insurance cost allocated per scheduled fight.
- Coverage limit ($)
- Maximum payout from the policy.
- Est. deductible ($)
- Estimated out-of-pocket before coverage kicks in.
- Risk rating (1-5)
- Insurer risk classification (5 = highest risk).
- Disability benefit ($/mo)
- Monthly disability payment if unable to fight (60% of income).
- Coverage per $ premium
- Dollars of coverage per dollar of annual premium.
- Break-even medical cost ($)
- Medical expenses needed to break even on the policy.
How this is calculated
Worked example, using the default values
- Identify Input Parameters4 parametersAge = 28, Fights per year = 3, Organization Level = 1, Sport Type = 1 = 8 input(s) provided
- Calculate Annual premium1546 = $1,546
- Calculate Monthly premiumMonthly premium129 = $129
- Calculate Cost per fightCost per fight515 = $515
Engine last updated .
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