OSIGURANJE SPORTISTA INSURANCE OF ATHLETES

Proceedings 2010. (2011), Vol 2, ISSN 1986-8154 

OSIGURANJE SPORTISTA 

www.sportkon.com 

INSURANCE OF ATHLETES 

Sini{a Ostojić 1 and Natalija Ostojić 2 

1 

Ekonomski fakultet, Subotica, Srbija 

Economic Faculty, Subotica, Serbia 

2 

Fakultet sporta i fizičkog vaspitanja, Novi Sad, Srbija 

Faculty of Sports and Physical Education, Novi Sad, Serbia 

PROFESSIONAL PAPER 

STRUČNI ČLANAK 

doi: 10.5550/SP.2.2010.36 UDK: 369:796.071.2 COBISS.BH-ID: 2261016 

Summary 

Every athlete during his sporting career has ups and downs. 

Sport is becoming more and more demanding these days 

and efforts that professional athletes are exposed to are 

continuously increasing. Certainty that an accident can happen 

to each individual, but also that it cannot be with certainty 

said that it is going to happen is called risk. Risk is an integral 

part of human life and that is why it is one of the most important 

elements of insurance. Athletes are exposed to many 

risks throughout their sporting life, what can result in serious 

health consequences, premature end of their career, and 

they may achieve much weaker competition results. 

Key Words: insurance, risk, accidents, sports. 

Sažetak 

Svaki sportista tokom svoje sportske karijere ima uspone i 

padove. U dana{njem vremenu sport postaje sve zahtevniji, 

a napori kojima su profesionalni sportisti izloženi su sve 

veći. Izvesnost da se nezgoda može dogoditi svakom pojedincu, 

ali i to da se ne može s sigurno{u reći hoće li se dogoditi 

naziva se rizik. Rizik je sastavni deo čovekovog života 

i upravo zbog toga on je jedan od bitnijih elemenata osiguranja. 

Sportisti su tokom celog svog sportskog veka izloženi 

mnogobrojnim rizicima, {to može da rezultira ozbiljnim 

zdravstvenim posledicama, preranim zavr{etkom karijere i 

postizanju znatno slabijih takmičarskih rezultata. 

Ključne riječi: osiguranje, rizik, nezgode, sport. 

Insurance is an important activity in developed countries, 

and it is more important activity in Central and Eastern 

Europe. Most people in these countries have one or more 

types of insurance policies and the annual revenues exceed 

insurance companies billions of dollars or euros. Serbian 

citizens have lost confidence in the insurance company 

because of bad experiences of charge by insurance as well 

as long-term and uncertain litigation related charge. Reform 

of the insurance companies began in Serbia until the adoption 

of the Insurance Law 2004th years, whose adoption is 

realized the necessity of reforming the insurance companies 

to become more important in financial systems in transition 

period (Ostojić, 2004). 

Sports insurance risk is carried out in Serbia under other 

insurance, whichever is provided, individual or collective. 

In Serbia, at least for now, there are no specialized insurance 

companies to ensure the athletes of the risks of temporary 

or permanent injury or at least a specialized organizational 

unit of the insurance companies, which would be 

particularly responsible for the sport. In the UK for many 

years meet the specialized insurance company or association 

of the famous Lloyd, who specializes in sports insurance 

risk. In Austria in 1986. year established a special Sportscover's 

Lloyd's syndicate 3334 for the insurance risk sport, which 

is engaged in providing all sorts of sports and it quickly 

spread to other European countries. In a very short time, 

this association was able to provide more than two million 

athletes. Insurance relating to amateur and professional 

sports. It is a collective insurance contracts, which provide 

Osiguranje je važna delatnost u razvijenim zemljama, a sve 

vise postaje važna delatnost u zemljama centralne i istočne 

Evrope. Većina građana ovih zemalja poseduju jednu ili vi{e 

vrsta polisa osiguranja i godi{nji ukupni prihodi osiguravajućih 

dru{tava prema{uje milijarde dolara, odnosno evra. Građani 

Srbije izgubili su poverenje u osiguravajuće dru{tva zbog lo{eg 

iskustva u pogledu naplate naknade od osiguranja kao i zbog 

dugogodi{njih i neizvesnih sudskih sporova u vezi naplate 

naknade. Reforma osiguravajućih dru{tava započeta je u 

Srbiji tek usvajanjem Zakona o osiguranju 2004. godine, 

čijim usvajanjem se uvidela neophodnost restrukturiranja 

osiguravajućih dru{tava kako bi ona postala važan segment 

finansijskog sistema u tranzicionom periodu (Ostojić, 2004). 

Osiguranje sportskih rizika obavlja se u Srbiji u okviru ostalih 

osiguranja, zavisno od toga {ta se osigurava, pojedinac ili 

kolektiv. U Srbiji, bar za sad, nema specijalizovanih osiguravajućih 

dru{tava za osiguranje sportista od rizika privremenog 

ili trajnog povređivanja ili barem specijalizovanih organizacijskih 

jedinica u okviru osiguravajućih dru{tava, koje bi bile 

posebno zadužene za sport. U Velikoj Britaniji već dugo 

godina srećemo specijalizovane osiguravajuće dru{tva, odnosno 

udruženja čuvenog Lloyda, koja su specijalizovana za 

osiguranje sportskih rizika. U Austriji je 1986. godine osnovan 

poseban Sportscover’s Lloyd’s syndicate 3334 za osiguranje 

sportskih rizika, koji se bavi osiguranjem svih mogućih sportova 

i on se ubrzo pro{irio na ostale evropske zemlje. Za 

veoma kratko vreme, ovo udruženje je uspeo osigurati vi{e 

od dva miliona sportista. Osiguranja se odnose na amaterski 

i na profesionalni sport. Reč je o kolektivnim ugovorima o 



297

Ostojić, S., & Ostojić, N.: INSURANCE OF ATHLETES Proceedings 2010, 297-303 

Tabela 1: Raspored sportova u razrede opasnosti (Izvor: Statut „Sava Osiguranje” a.d.o. Beograd, broj: 02-2862/08) 

Table 1: Schedule of sports in hazard classes (Source: Statute „Sava osiguranje” a.d.o. Beograd, No: 02-2862/08) 



No 

Sport 

Hazard 

classes 

1. Aero Clubs IX 

2. 

3. 

4. 

Climbing, crawling the mountains, climbing on galciers and skiing regardless of the 

high above see. 

Automotive and motorcycling with races, competitions, driving assessment, rally and 

and practice for them. 

Athletics: 

• track-and-field 

• heavy athletics, except wrestling and boxing 

5. Badminton I 

6. Baseball VI 

7. 

Cycling 

• without racing and practice 

• with all type racing and practice 

8. Boxing VII 

9. Bodybuilding III 

10. Football (soccer) VII 

11. 

Gymnastic 

• floor exercises 

• apparatus exercises 

12. Golf II 

13. NESCAR racing VIII 

14. Mountain Rescue Service IX 

15. 

16. 

17. 

Hockey 

• grass 

• ice and roller skates 

Equesterian 

• sport horse 

• gallop and trotting races 

Sailing, rowing, swimming and water skiing 

• at sea 

• on rivers and lakes 

18. Jiu-jitsu and judo V 

19. Karate VI 

20. Kayak V 

21. Ice skating III 

22. Basketball IV 

23. Bowling I 

24. Sport hunting IV 

25. Camping with the practice of various disciplines III 

26. 

Motorcycling, auto racing and moped reacing 

• motorcycling with races, competitions, driving assessment, rally and and practice 

for them 

• controllers and companion in the car or motorcycle 

• moped races - competitions and practices 

27. Fencing II 

28. Volleyball II 

29. 

Organizers of sports competitions 

• for motosport 

• for other sports 

30. Dance I 

31. 

Swiming 

• at see 

IX 

X 

II 

III 

III 

VIII 

II 

III 

V 

VII 

VI 

VI 

VI 

IV 

X 

VI 

VIII 

II 

I 

II 

298

Ostojić, S. i Ostojić, N.: OSIGURANJE SPORTISTA Zbornik radova 2010, 297-303 


• marathon swimming 

32. Mountaineering 

• walking mountain trails up to 3000 meters above sea level 

• above mentioned with commonly skiing without competition 

• climbing 

33. Fishing 

• in the open see 

• coastal, lake and river 

• underwater fishing 

34. Rugby VIII 

35. Wrestling 

• Greco-Roman 

• freestyle 

• ketchering 

36. Handball III 

37. Divers IX 

38. Luge 

• ordinary luge 

• competition luge 

• bobsleigh 

39. Skiing 

• common skiing 

• 3000 meters above see level 

• with competition and practice 


• at sea 

40. Shooting II 

41. Table tennis I 

42. Diving IV 

43. Cavers IX 

44. Referees II 

45. Chess I 

46. Tennis II 

47. Motor sport boat racing IX 

48. Teakwondo X 

49. Water polo IV 

50. Driving roller II 

II 

V 

III 

IV 

IX 

IV 

II 

IX 

V 

V 

X 

II 

VI 

IX 

IV 

VI 

VII 

II 

IV 

Legend/Legenda: 1. - Aeroklubovi; 2. - Alpinizam, planinarenje, puzanje po vrletima, penjanje na glečere i 

skijanje bez obzira na visinu; 3. - Automobilizam i motociklizam sa trkama, takmičenjima, vožnja za 

ocenu, reli i treninzi za njih; 4. - Atletika, laka, te{ka; 5. Badmington; 6. - Bezbol; 7. - Biciklizam, bez 

trka i treninga, sa trkama svih vrsta i treninzima za njih; 8. - Boks; 9. - Bodibilding; 10. - Fudbal; 11. 

- Gimnastika, vežbe na parteru, vežbe na spravama; 12. - Golf; 13. - NESCAR racing - NESCAR trke; 

14. - Gorska služba spasavanja; 15. - Hokej, na travi, na ledu i koturaljkama; 16. - Jahanje, sportsko 

jahanje, galopske i kasačke trke; 17. - Jedrenje, veslanje, plivanje i skijanje na vodi, na moru, na 

unutra{njim vodama; 18. - \iu-đica i džudo; 19. - Karate; 20. - Kajak; 21. - Klizanje na ledu; 22. - 

Ko{arka; 23. - Kuglanje; 24. - Sportski lov; 25. - Logorovanje sa upržnjavanjem raznih disciplina; 26. 

- Motociklizam, automobilizam i mopedizam, sa trkama, takmičenjima, vožnja za ocenu, reli i treninzi 

za njih; 27. - Mačevanje; 28. - Odbojka; 29. - Organizatori sportskih takmičenja, za auto-moto sport, 

za ostale sportove; 30. - Ples; 31. - Plivanje, na moru, na unutra{njim vodama, maratonsko plivanje; 

32. - Planinarenje, hodanje planinskim putevima do 3000 m n/v; 33. - Sportski ribolov, na otvorenom 

moru, priobalno, jezersko i rečno, podvodni ribolov; 34. - Ragbi; 35. - Rvanje, Grčko-Rimski stil, 

slobodan stil, kečerstvo; 36. - Rukomet; 37. - Ronioci; 38. - Sankanje, na običnim sankama, na sportskim 

sankama za takmičenje, bob; 39. - Skijanje, uobičajeno skijanje, na visinama iznad 3000 m n/v, 

skijanje su uče{ćem na skoja{kim takmičenjima i priprema za njih, na unutra{njim vodama i jezerima, 

na moru; 40. - Strelja{tvo; 41. - Stoni enis; 42. - Skokovi u vodu; 43. - Speleolozi; 44. - Sportske 

sudije; 45. - [ah; 46. - Tenis; 47. - Trke motornih sportskih čamaca; 48. - Tekvando; 49. - Vaterpolo; 

50. - Vožnja koturaljkama. 



299


the same amount of insurance for all sports organiztions, 

both for athletes and for staff. 

When a professional athlete is not uncommon to secure 

parts of the body. Their legs have secured famous footballers 

Cristiano Ronaldo (144 million $) and David Beckham (70 

million $). The driver team Ferrari in Formula One Spaniard 

Fernando Alonso secured the thumbs hand to ten million 

euros. The thumbs are a symbol of Fernando Alonso, with 

this are important for the management of his car in F1 and 

a sign of victory. Our basketball players who play in the NBA 

in total are insured at $ 100,000 for a European or World 

championships. 

osiguranju, koji pružaju isti iznos sumu osiguranja za sve 

sportske ogranizacije, kako za sportiste tako i za saradnike. 

Kod profesionalnih sportista nije retka pojava da osiguraju 

pojedine delove tela. Svoje noge su osigurali čuveni fudbaleri 

Kristijan Ronaldo (144 miliona dolara) i Dejvid Bekam 

(70 miliona dolara) .Vozač ekipe Ferari u {ampionatu Formule 

[panac Fernando Alonso osigurao je palčeve ruku na 

deset miliona evra. Palčevi Fernanda Alonsa su simbol, uz 

to su i važni za upravljanje bolidom u F1 i znak za pobedu. 

Na{i ko{arka{ki reprezentativci koji igraju u NBA ligi ukupno 

su osigurani na 100.000 dolara po jednom evropskom ili 

svetskom prvenstvu. 

Tabela 2: Profesionalci i amateri koji učestvuju u takmičenjima saveznog i republičkog nivoa: Od osigurane sume godi{nja 

premija u % (Izvor: Statut „Sava Osiguranje” a.d.o. Beograd, broj: 02-2862/08) 

Table 2: Professionals and amateurs who participate in competitions, federal and republic levels: Out of insured, annual 

premium amounts in% (Source: Statut „Sava Osiguranje” a.d.o. Beograd, No: 02-2862/08) 

Calss 

of 

danger 

Death due 

to accident 

Disability 

For a din. daily 

charge an annual 

premium din. 

I .80 .80 4.80 

II 1.10 1.10 6.60 

III 1.40 1.40 8.40 

IV 1.70 1.70 10.20 

V 2.20 2.20 13.20 

VI 3.75 3.75 22.50 

VII 4.20 6.30 37.80 

VIII 6.30 8.40 50.40 

IX 14.70 6.30 37.80 

X 12.60 12.60 75.60 

Legend/Legenda: Class of danger - Razred opasnosti; Detah due to accident - Smrt usled nezgode; 

Disability - Invaliditet; For a din. daily charge an annual permium din. - Za 1 din. 

dnevne naknade godi{nja premija din. 



Also, insurance of athletes against loss of income due to the 

disruption of professional sports in the world exists, while 

the athletes in Serbia, are currently able to provide only 

accident where to get compensation for medical treatment, 

disability, hospitalization. Insurance of body parts, in Serbia 

does not yet exist and there is no legal framework for the 

formulation and contracting of such products, but also no 

real demands from clients. As a rule, risks and contingencies 

which can be secured in Serbia are: 

• disability 

• temporary work disability (insurance concluded for one 

year for sports professionals and amateurs who participate 

in competitions, federal and republic levels) 

• death due to accident 

• costs of treatment (only if the insurance in case of death 

and disability) 

• costs of treatment of foreign participants in sports events 

in Serbia 

In practice this means that the insurance still applies only to 

the sports industry specified in the policy and does not cover 

accidents that occur when dealing with any other sport. 

When it comes to the amount insured by the contract in the 

amount of insurance you agree that the sums insured policyholder 

and the insurer. And this insurance can be arranged 

individually or in groups. All persons are provided by an 

insurance policy (with or without fixing names), are provided 

Takođe, osiguranje sportista od gubitka prihoda zbog prekida 

profesionalnog bavljenja sportom u svetu postoji, dok 

se sportisti u Srbiji, za sada mogu osigurati samo od nezgode 

gde bi dobili naknadu za lečenje, invaliditet, bolničko 

lečenje. Osiguranje delova tela, u Srbiji za sada ne postoje 

i nema ni zakonskog okvira za formulisanje i ugovaranje 

takvih proizvoda, ali ni realnih zahteva od strane klijenata. 

Po pravilu rizici ili osigurani slučajevi koji se mogu osigurati 

u Srbiji su: 

• invalidnost 

• prolazna nesposobnost za rad (osiguranja zaključena na 

godinu dana za sportiste profesionalce i amatere koji 

učestvuju u takmičenjima saveznog i republičkog nivoa) 

• smrt usled nezgode 

• tro{kovi lečenja (samo ako je zaključeno osiguranje za 

slučaj smrti i invaliditeta) 

• tro{kovi lečenja inostranih učesnika sportskih takmičenja 

na području Srbije 

Praktično to znači da se osiguranje uvek odnosi samo na 

sportsku granu navedenu u polisi i ne obuhvata nesrećne 

slučajeve koji nastaju prilikom bavljenja bilo kojim drugim 

sportom. Kada su u pitanju osigurane sume koje se ugovaraju 

u ovim vrstama osiguranja onda visinu osiguranih suma 

sporazumno određuju ugovarač osiguranja i osiguravač. A 

ovo osiguranje može se ugovoriti pojedinačno ili grupno. Sva 

lica koja se osiguravaju po jednoj polisi (sa naznakom ili bez 

300


by the same sum insured and insured by the same combination 

of cases. 

May be given some basic elements of insurance, such as 

(George, 2005): 

• pooling of losses 

• payment of fortuitons losses 

• risk transfer 

• Indemnification 

The primary purpose of ensuring the sport is to provide financial 

protection to policyholders individuals (athletes, 

coaches, referees) and corporate (sports organizations, federations, 

clubs) from the negative result of sports injuries 

and loss of income that athletes realize their clubs but when 

it comes to club's competition, which occur when you realize 

the risk or the insured event occurs. 

Injuries are common in sports, we could feel free to call and 

integral part of doing a sports activity. Lost earnings due to 

sports injuries are extremely high for any professional athlete. 

To be returned to sports as soon as possible, athletes are 

forced to set aside large sums of money for rehabilitation, 

orthopedic supplies and equipment. 

All members of sports organizations are classified into ten 

classes of danger: I, II, III, IV, V, VI, VIII, IX, X (Table 1). 

Athletes involved in extreme sports tend to enter into the 

sports policy of insurance, not only to higher insurance 

premiums, but because of the general reluctance of insurance 

companies that offer such policies. The reason is the 

risk of adverse consequences which, in these sports considerably 

high. 

The insurance contract athletes or sports activities can be 

individual, where specifying the insurer who is and who the 

beneficiary of insurance. For each case of insurance the innaznake 

imena i prezimena), osiguravaju se na jednake 

osigurane sume i po istoj kombinaciji osiguranih slučajeva. 

Mogu se navesti neki osnovni elementi osiguranja, a to su 

(George, 2005): 

• zajednica rizika 

• isplata slučajnih gubitaka 

• prenos rizika 

• isplata naknade – obe{tećenje 

Tabela 3: Učesnici na pojedinim sportskim takmičenjima i treninzima (Izvor: Statut „Sava Osiguranje” a.d.o. Beograd, 

broj: 02-2862/0) 

Table 3: Participants in individual sports competitions and training (Source: Statut „Sava Osiguranje” a.d.o. Beograd, No: 

02-2862/08) 

No 

Type of Competition 

Of insured premiums for 

a 1 din. amount in % 

Death due 

to accident 

Disability 

To a 1 din. 

daily charge 

premiums 

in dinars 

1. Auto racing .90 .90 5.00 

2. Motorcycle racing 1.20 1.20 7.20 

3. Auto driving for evaluation and rally .90 .90 5.00 

4. NESCAR racing .90 .90 5.00 

5. Motorcyclists driving for evaluation 1.10 1.10 6.10 

6. Bicycle racing .90 .90 5.00 

7. Trotting and gallop races .90 .90 5.00 

8. Ski competition and ski jumping .40 .40 2.40 

9. Powerboating competiton .90 .90 5.00 

Legend/Legenda: Type of Competition - Vrsta takmičenja; Of insured premiums for a 1 din. amount 

in % - Od osigurane sume premija za jedan din. iznos u %; Death due to accident - 

Smrt od nezgode; Disability - Invaliditet; To a 1 din. daily charge premiums in dinars - Za 

1. din. dnevne naknade premija u dinarima; Auto racing - Automobilske trke; Motorcycle 

racing - Motociklističke trke; Auto driving for evaluation and rally - Auto-vožnja za ocenu i 

reli; NESCAR racing - NESCAR trke; Motorcyclists driving for evaluation - Motociklistička 

vožnja za ocenu; Bicycle racing - Biciklističke trke; Trotting and gallop races - Kasačke i 

galopske trke; Ski competition and ski jumping - Skija{ka takmičenja i skija{ki skokovi; 

Powerboating competiton - Motonautička takmičenja. 

Osnovna svrha osiguranja u sportu je da pruža ekonomsku 

za{titu osiguranicima fizičkim licima (sportistima, trenerima, 

sudijama) i pravnim licima (sportskim organizacijama, savezima, 

klubovima) od negativnih psledica povređivanja sprtista 

i gubitka prihoda koje sportisti ostvaruju ali i njihovi 

klubovi ako je reč o klubskom takmičenju, do kojih dolazi 

kada se ostvari rizik, odnosno nastane osigurani slučaj. 

Povrede su čest slučaj u sportu, mogli bismo ih slobodno 

nazvati i sastavnim delom bavljenja nekom sportskom aktivno{ću. 

Izgubljena zarada zbog sportskih povreda izuzetno je visoka 

za svakog profesionalnog sportistu. Da bi se {to pre vratio 

sportu, sportisti su prinuđeni da izdvajaju velike količine 

novca za rehabilitaciju, ortopedska pomagala i opremu. 

Svi članovi sportskih organizacija razvrstavaju se u deset 

razreda opasnosti: I, II, III, IV, V, VI, VIII, IX, X (Tabela 1). 

Sportisti koji se bave ekstremnim sportovima teže sklapaju 

polise sportskog osiguranja i to ne samo radi vi{ih premija 

osiguranja već zbog generalne nespremnosti osiguravačkog 

dru{tva da takve polise ponude. Razlog je rizik nastanka 

{tetne posledice koji je kod tih sportova značajno visok. 

Ugovor o osiguranju sportista ili delatnosti sporta može biti 

individualan, gde se tačno navodi ko je osiguravač a ko 

korisnik osiguranja. Za svaki pojedinačni slučaj osiguranja 

osiguravač izdaje polisu osiguranja. Idealan oblik ugovora 



301


surer issued an insurance policy. The ideal form of contract 

for sports activities in the whole sports teams, so. collective 

insurance contract. In a collective insurance contract is issued 

a policy or a contract under which the insurance is guaranteed 

more than one person. Collective insurance premium 

amount depends on the number of persons who provide. 

Rights and responsibilities 

of athletes 

The rights, duties and responsibilities of athletes in sports governing 

rules, the collective agreement in the field of professional sports 

and the agreement between the athletes and sports organizations, 

in accordance with the law (Sports Low RS, 1996, Article 8). 

A competitor may participate in the competition if at least 

once a year, determined its general and special health capacity, 

according to sports rules (ibidem, Article 14). Athletes 

that other competitors in the competition to inflict bodily 

injury shall be entitled to compensation if his injury was 

inflicted intentionally or through gross violation of sporting 

rules (ibidem, Article 14). 

Qualifying conditions, or who may be secured to the sport 

in Serbia (Sava Insurance Statute, 2008, Article 2): 

• Registered sports athletes, members of sports organizations; 

• All participants in individual sports athletes competition 

and training, regardless of whether the status of registered 

members of sports organizations. 

Under these conditions can not be provided mentally ill 

persons and persons deprived of their full legal capacity. 

Payment of compensation or indemnity to the insured that 

allows the damage or loss occurred to recapture the approximate 

financial position it had before the accident, accident 

or loss (Ostojić, 2007). 

What are the determinants of premiums: 

• the amount of the agreed sum insured 

• the hazard classes in which the assigned sport branch 

practiced by the insured under a specific sport organizations 

• the division of professional and amateur athletes 

• from the agreed combination of insured risks 

• from the agreed number of insured persons 

• the type of competition (practice) 

Ensuring the daily charge is possible if the insurance concluded 

for one year. 

Conclusion 

za sportsku delatnost na nivou cele sportske ekipe, tzv. 

kolektivni ugovor o osiguranju. Kod kolektivnog ugovora o 

osiguranju izdaje se jedna polisa, odnosno jedan ugovor na 

osnovu kojeg je zagarantovano osiguranje vi{e lica. Visina 

premije kolektivnog osiguranja zavisi od broja lica koja se 

osiguravaju. 

Prava i obaveze 

sportista 

Prava, obaveze i odgovornost sportista uređuju se sportskim 

pravilima, kolektivnim ugovorom u oblasti profesionalnog 

sporta i ugovorom između sportiste i sportske organizacije, 

u skladu sa zakonom (Zakon o sport RS, 1996, član 8). 

Takmičar može učestvovati na takmičenju ako je najmanje 

jedanput godi{nje utvrđena njegova op{ta i posebna zdravstvena 

sposobnost, u skladu sa sportskim pravilima (ibidem, 

član 14). Sportista kome drugi takmičar pri takmičenju 

nanese telesnu povredu ima pravo na naknadu {tete, ako 

mu je povreda nanesena namernim ili grubim kr{enjem 

sportskih pravila (ibidem, član 17). 

Uslovi kvalifikovanja, ili ko može biti osiguran u sportu u 

Srbiji (Status Sava osiguranja, 2008, član 2): 

• Registrovani sportski takmičari, članovi sportskih organizacija; 

• Svi sportisti učesnici pojedinih sportskih takmičenja i 

treninga, bez obzira da li imaju status registrovanih članova 

sportskih organizacija . 

Prema ovim uslovima ne mogu se osigurati du{evno bolesna 

lica i lica potpuno li{ena poslovne sposobnosti. 

Isplata naknade ili obe{tećenja omogućava osiguraniku 

kojem se dogodila {teta ili gubitak da ponovo zauzme približnu 

finansijski poziciju koju je imao pre nego {to se dogodila 

nezgoda, nesrećni slučaj ili gubitak (Ostojić, 2007). 

Od čega zavisi premija: 

• od visine ugovorenih suma osiguranja 

• od razreda opasnosti u kojoj je raspoređena sportska 

grana koju upražnjava osiguranik u okviru određene 

sportske organizacije 

• od podele na sportiste profesionalce i amatere 

• od ugovorene kombinacije osiguranih rizika 

• od ugovorenog broja osiguranih lica 

• od vrste takmičenja (treninga) 

Osiguranje dnevne naknade je moguće ukoliko je osiguranje 

zaključeno na godinu dana. 

Zaključak 



Top athletes devote your whole life training in certain sport 

activities of living and obtain funds for existence. Certain 

types of insurance, life insurance in most cases satisfies the 

requirement set out very easily. The cause and time of death 

can be readily detected in most cases, and if the person 

insured, face amount of life policies insured the amount of 

compensation. However, some accidents are difficult to 

define and measure, especially in sports. It is present in 

determining the degree of disability since the disease and 

the inability to operate a highly subjective category. For 

some people the same event may be affected differently. 

Sports Law in Serbia has no provisions governing the insurance 

of the sport, which is a major drawback. 

In sport, there must be insurance in case of professional 

incompetence, so that in cases where further in sports from 

an insurance company get as much financial protection i.e. 

Vrhunski sportisti posvećuju ceo život treningu u određenoj 

sportskoj aktivnosti, od koje žive i pribavljaju sredstva za 

životnu egzistenciju. Pojedine vrste osiguranja, kao životno 

osiguranje u većini slučajeva zadovoljava navedeni zahtev 

vrlo lako. Uzrok i vreme smrti mogu se lako utvrditi u većini 

slučajeva, te ako je osoba osigurana, nominalni iznos u 

polisi životnog osigurana je iznos za isplatu naknade. Međutim, 

pojedine nezgode se te{ko određuju i mere, naročito 

u sportu. To prisutno kod određivanja stepena invalidnosit 

budući da su bolest i nesposobnost za rad visoko subjektivne 

kategorije. Na pojedine osobe isti događaj može uticati 

na različit način. Zakon o sportu u Srbiji nema odredbe 

koje uređuju osiguranje u sportu, {to je veliki nedostatak. 

U sportu mora postojati osiguranje za slučaj profesionalne 

nesposobnosti, kako bi u slučaju nemogućnosti daljnjeg 

302


material resources that would allow them a decent existence. 

Reference 

George, E. R. (2005). Principles of Risk Management and 

Insurance. New York: Addison Wesley. 

Ostojić, S. (2004). Neophodnost restrukturiranja osiguravajućih 

dru{tava Srbije. Privredna izgradnja, 47(1-2), 

77-98. 

bavljenja sportom od osiguravajućeg dru{tva dobili koliko 

toliko financijsku za{titu tj. materijalna sredstva koja bi im 

omogućila pristojnu životnu egzistenciju. 

Ostojić, S. (2007). Osiguranje i upravljanje rizicima. Beograd, 

Data Status. 

Statut „Sava Osiguranja” a.d.o. Beograd, br.02-2862/08, 

br.=2-2790/08 

Zakon o sportu. „Službeni glasnik RS” br. 52/96 

Received: September, 30th 2010 

Correspodence to: 

Sini{a Ostojić, PhD 

Zorana Nićetina 21 

23000 Zrenjanin 

Serbia 

Phone: +381 23 56 36 23 

+381 63 51 12 71 

E-mail: natalija8ªgmail.com 

Primljeno: 30. septembar 2010. godine 

Korespodencija: 

dr Sini{a Ostojić 

Zorana Nićetina 21 

23000 Zrenjanin 

Srbija 

Telefon +381 23 56 36 23 

+381 63 51 12 71 

E-mail: natalija8ªgmail.com 



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OSIGURANJE SPORTISTA INSURANCE OF ATHLETES

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