Temporary Health Insurance will NOT cover Rugby injuries
It's championship time. Playoffs at the college level, and this weekend, the Women's National Championships for the Premier League and Division I will be hosted by the Fog on Treasure Island.My guess is that 10% of those playing have no health insurance.Some will have bought a temporary policy and will use a computer printout as proof of insurance. Unfortunately, this will be accepted.I'm curious to see how many injury related bills go unpaid.See you in the Rucks!!! BMK

Failing to mention is almost as bad as a Lie
So, you fail to mention to your club admin that you don't have health insurance. You play, you get hurt, and the club could now get sued. Gee, Thanks...Failing to mention a doctor's visit on a health insurance application will cause you ever MORE grief. Once the information gathering service, such as Telemed, or WFI, sees a discrepancy, they'll stand still.That's right. The company that was hired by the insurance company that your applying to will do NOTHING once a "questionable" bit of information comes up.The remedy is constant contact between the agent, the PI (Proposed Insured, YOU), and the Underwriter's. Normally, the info gathering

"What goes on Tour, stays on Tour..."
The above cliche', coupled with "Never underestimate the Stupidity of your Mates" (The Naif), are mantras every Rugby player knows.I send teams and clubs on tour all the time. The confusion comes from the difference between Flight insurance and Travel Insurance.Flight insurance only covers the FLIGHT!!!! Not the stuff in between. IE, the Rugby matches your playing, the trainings, and the stuff you do when you're drunk on foreign beer, and you think it's a good idea at the time...Rates for overseas travel insurance are relatively cheap, because they are indemnity policies for accidents and injuries. The rates are based on country of origin, country of

Answer the Question!
I've coached for many years. I'd ask a player, "What position do you want to play?"Rarely, did I get an answer."Well, I used to play center, but I played fullback last year, and I want to try flanker.""So, flanker?""Well, maybe. I like wing too."Since the player didn't answer the question, as a Coach, I now have a doubt as to both their commitment and their sincerity.The analogy is a health insurance application. Either, you've seen an MD, or you haven't. Either you had knee surgery, or you didn't.Answer the frickin' question.Dithering on answers creates doubt in the minds of underwrite

Is the Past, the Past?
If you screw-up royally in a match, how long does it take to get back into the good graces of the selection committee?If it's an insurance company, could be forever. Especially if you have records from an MD who wrote some difficult things about you.Basically, when an MD makes a note, it remains with you permanently. This could be beyond your MIB. What did the ER doctor record about your last visit? What did your pediatrician write? What does your OBGYN say about you in your file?Don't know? Really. FIND OUT.Literally, it's the difference between getting insurance, and getting declined. Forever.See