Press Release
Fantasy Sports affirmed as a ‘Game of Skill’ in india
The Indian Federation of Sports Gaming (IFSG), India’s first industry body formed for protecting consumer interests through the self-regulation of the Sports Gaming industry, has unveiled India’s first ever report on the ‘Legality of Fantasy Sports in India’.
An initiative of the Sports Law and Policy Centre, the legal report brings contributions from experts in sports and gaming laws from India’s leading law firms like Nishith Desai Associates, Cyril Amarchand Mangaldas, Khaitan & Co. & LawNK. This report delves into the skill element of Fantasy Sports games, need for self-regulation by online Sports Gaming companies, the use of third-party intellectual property in Fantasy Sports games and the recent developments in the Supreme Court of India relating to the determination of Dream11’s Fantasy Sports format as a game of predominant skill.
On unveiling the report, CEO of Dream11, Chairman of IFSG & Co-Founder, Harsh Jain said, “We welcome the Court’s judgements which legitimise our format of online fantasy sports gaming in India as a ‘Game of Skill’. As we continue to grow exponentially, we believe that self-regulation is the way ahead for the online gaming industry. Committed to this, IFSG aims to collaborate with all stakeholders to protect the interests of Indian users by implementing best practices for responsible gaming throughout the industry.”
On the launch of the legal report, SLPC, Principal Lawyer – LawNK & Researcher, Nandan Kamath said, “The recent developments in the courts are an encouraging sign for the Fantasy Sports ecosystem in India as it shows the willingness of Indian Courts to carefully and favourably evaluate game formats on criteria of predominance of skill. The SLPC report is a collaborative effort by leading law practitioners which aims to document the state of the law relating to online Fantasy Sports gaming and lend clarity to the industry. We hope this empowers the entrepreneurial spirit and benefits and protects the interests of the wide variety of stakeholders involved with Fantasy Sports games, including operators, fans, players and governing bodies.”
The Fantasy Sports ecosystem has been growing exponentially in India over the last few years. From 20 lakh users in 2016, the base has grown to over 2 crore Fantasy Sports users in 2018, with estimated projections of over 10 crore Indian sports fans playing Fantasy Sports by 2020. India now has 56 Fantasy Sports operators, with 2017 alone seeing 30 new entities entering this exciting space. Popular sporting tournaments such as the IPL, NBA, ISL, PKL and others are increasingly relying on fantasy sports as their primary tool for fan engagement.
Bali is full of memorable moments, and some of them involve animals. Temple monkeys tug at bags, beach dogs nap near sunbeds, and cats wander into cafés like they own the place. Most interactions are harmless, but a bite or scratch can change the day quickly, because you may need immediate medical care and follow-up treatment. This is where Bali travel insurance becomes more than a box to tick.
In this article, you will explore whether animal bite treatment is insured, the exclusions, and the steps to claim easily in Bali.
Why Animal Bites in Bali Need Special Attention
Bites are not only about the visible wound. Insurers and doctors both treat them as medical events that can pose an infection risk, especially when the bite breaks the skin.
A scratch that looks small in the moment can still lead to:
● A doctor’s examination and wound cleaning
● Medicines and dressings
● Follow-up consultations if the doctor advises observation or further care
From an insurance perspective, this matters because claims are usually assessed on medical necessity and documentation, not on how dramatic the injury appears in a photo.
How International Travel Insurance Looks at an Animal Bite
Most travel policies are built around emergency medical expenses for unexpected illness or accidental injury abroad. A bite or scratch usually fits the accidental injury bucket, but coverage is rarely blanket.
In many plans, the following may be considered if a doctor prescribes them and bills and medical notes support them:
● Consultation and outpatient treatment
● Emergency care and procedures, such as wound dressing or stitches, if clinically required
● Prescribed medicines and investigations
● Hospitalisation if the treating doctor confirms it is needed
Common Reasons Claims Get Reduced or Rejected
This is the part travellers often miss. Insurers usually do not deny claims because an animal was involved. Claims become difficult when the event looks avoidable, the reporting is delayed, or the paperwork is weak.
Avoidable-Risk Situations Insurers Scrutinise
Policies commonly exclude or limit claims linked to unsafe conduct or preventable exposure. For animal bites, scrutiny may increase if the incident appears connected to:
● Provoking, feeding, or trying to handle wild animals
● Ignoring warning signs at tourist spots
● Being intoxicated at the time of the incident
● Activities that a policy lists as excluded or restricted
The takeaway is simple: if your own description sounds like a risky choice rather than a sudden accident, the insurer may challenge it.
Delays, Missing Papers, and Policy Conditions
Even when your incident is genuinely accidental, claims can still stall due to basics such as:
● Not informing the insurer or assistance partner within the required time
● Missing itemised bills, prescriptions, or clinical notes
● No proof of travel dates or passport entry details when requested
● Submitting only pharmacy slips without a doctor’s consultation record
International travel insurance is paperwork-driven. If you document it well, you reduce the chance of avoidable back-and-forth.
What to Do If You Are Bitten or Scratched in Bali
Your health comes first, always. But a few sensible steps can protect your recovery and keep your insurance file clean.
Medical Steps That Help You and Your Claim
Act fast, stay calm, and get proper care before worrying about bills.
● Clean the wound promptly and seek medical care, even if it seems minor
● Follow the doctor’s advice, including follow-ups if recommended
● Avoid self-medicating in place of a clinical assessment, because insurers often ask for a doctor’s report
Claim Notes and Documents to Collect
Keep these handy; they’ll save time and avoid follow-up questions later.
● Doctor’s notes that mention the nature of injury, treatment given, and advised next steps
● Prescriptions and pharmacy invoices
● Itemised hospital or clinic bills
● A brief written note of where and when it happened, while it is still fresh in your mind
Final Word
Animal bites in Bali are not rare, and they are not always dramatic, which is exactly why travellers underestimate them. Many travel policies can cover bite-related medical treatment when it is accidental and medically necessary, but the outcome depends on your policy terms and the quality of your documentation. If you buy cover thoughtfully, keep the assistance number handy, and respond sensibly if an incident happens, you give yourself the best chance of both good medical care and a smoother claim experience.
