We lately caught up with BTF x Yellow Jersey age-group ambassador Dr Hussain Al-Zubaidi for a fast Q&A on what occurs when issues don’t fairly go to plan. A dedicated age-group triathlete balancing coaching and competitors alongside a demanding skilled profession, Hussain gives an sincere perception into his current expertise with insurance coverage and why having the proper cowl issues if you’re juggling efficiency objectives with work, household, and on a regular basis life.
What occurred that meant you needed to cancel your race?
I fell off my bike in a coaching trip one week earlier than the World Age Group Lengthy Distance Triathlon Championships and fractured my clavicle. It was devastating to overlook an occasion I’d skilled so exhausting for, however the damage made racing inconceivable and restoration was the one smart possibility.
At what level did you realise you’d have to make a declare?
It grew to become clear immediately, as soon as the fracture was confirmed by X-ray and my clinician suggested no racing. Despite the fact that I knew it was fractured, I mentally wanted the doc to inform me “no approach mate”. With solely per week to go, there was no practical likelihood of competing, so I contacted Yellow Jersey to start out the declare course of.
What was your expertise of the claims course of with us?
Completely good. The entire course of was easy, pleasant and quick. The claims type was clear, and the workforce have been useful about what proof they wanted. I uploaded medical notes and the fracture affirmation with none faff, and Yellow Jersey saved me up to date at each stage. Their professionalism and velocity actually took the stress off throughout a reasonably anxious time.
Was there something that shocked you about the way it labored?
I used to be pleasantly shocked by how compassionate and communicative the workforce have been. They made a degree of explaining the steps and timescales, and their checklists made it easy to know what to ship. The effectivity and human contact have been each greater than I anticipated.
How necessary is race price cowl to you as somebody who trains for large occasions?
It’s important. Coaching for large occasions is a large funding, bodily, mentally and financially. Realizing there’s cowl in place means you’ll be able to decide to races with out the fixed fear of shedding your entry price ought to the surprising occur.
What recommendation would you give one other athlete contemplating race price cowl?
Get it. Learn the coverage so that you perceive what’s lined and the timeframes, hold clear medical information, and call your insurer as quickly as you already know you’ll miss the occasion. Take images/scans of paperwork and use digital folders to maintain every part organised, it makes submitting a declare a lot simpler.
Did the quilt assist you to re-book or plan your subsequent occasion?
Sure, it helped massively. Whereas it couldn’t change the expertise of racing, the compensation eliminated a giant monetary burden and allowed me to funds for added physio and to carry my place for a later occasion. That sensible assist made restoration and planning a wise comeback so much simpler.
Yellow Jersey’s entry-fee declare cowl gave me actual peace of thoughts when the worst occurred. Their product is designed to guard athletes’ entry charges when you’re pressured to tug out due to sickness or damage. Precisely the form of sensible assist you need after investing time, coaching and cash into a giant occasion. Whereas nothing can change the expertise of lining up at a world championships, Yellow Jersey’s clear, speedy assist meant I didn’t lose the monetary outlay, and for that I’m genuinely grateful.
