What’s the purpose of this notification
We'll try to explain what our insurance cover and provide access to useful information / downloadable forms relating to insurance cover.
Please read on....
Who’s covered?
Killarney RFC pay an annual premium to the IRFU for each adult team. All players under 21 are automatically covered. You can view the policy here - Click here to download.
What’s covered?
Here are brief details of the cover:
- Benefits are only payable following an accident –
(a) Death – €500,000
(b) Loss of 2 Limbs and/or the loss of both eyes or 1 limb and 1 eye – €500,000
(c) Loss of 1 limb or the loss of 1 eye – €250,000
(d) Permanent Total Disablement – €650,000
(e) Severe injury involving loss of use of two legs and two arms – €850,000 - The maximum payable would be €1.5m [(d) and (e)]. There are restrictions that you need to be aware of. These are detailed in the policy document.
What's the IRFU say?
The IRFU emphasize the following:
- This scheme is intended to cover serious injury only. The benefit at €1,500,000, may appear substantial, but it is doubtful that it can cover the future needs of a seriously injured young player.
- Though the IRFU and clubs can arrange substantial insurance benefit within their financial means, it still ultimately remains the individual player’s responsibility to ensure that he/she has adequate insurance cover.
- This compulsory scheme does not provide payment of medical expenses or loss of earnings, nor does it cover fatal collapse unless a physical accident precedes it.
For full details visit the IRFU website page on Insurance
What do Killarney RFC recommend?
- Our IRFU policy only covers major and severe events only.
- It doesn't cover GP/SouthDoc consultation fees, medical fees, or the loss of earnings due to an injury incurred during a game.
- All players are advised to have their own personal insurance
- For parents of minis and youths :
- Minis and youths still at school may be covered by their school’s insurance policies**
- Your children’s school will have a policy similar to the ones here https://www.allianz.ie/products/schools/pupil-personal-accident.html
- Check with the school whether they have the 24-hour option which covers out-of-school activities (including most sports)
- If you don’t have cover with VHI or Laya (or similar), the IRFU has a scheme that individuals can join. The application form can be downloaded here.
- For details of private health insurers in the Irish market, click here. In addition, many insurers offer personal accident insurance.
Updated 25-August-2023
