Wexford Forum

GAA Insurance

(Oldest Posts First)

The ever increasing amount of GAA injury claims which exceed the insurance limit of 4.5k is becoming a major issue for clubs.
How are Wexford clubs dealing with this i.e. paying the shortfall or drawing a line at 4.5k and encouraging all players to have full medical insurance. I fear that many young players maybe students / un-employed or in low paid jobs are not in a position to pay for medical insurance and this may lead to players opting out if not looked after by their clubs. What is the best solution?

goodscore (Wexford) - Posts: 7 - 08/01/2014 13:26:38    1528942

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Hi we are just dealing with a case like this at the moment in our club and it has been decided not to exceed the insurance limit as this could cause a problem down the line. ok if you get a claim for €4,900 you only have to top up by €400 - what if a claim comes in for €15,000 then the club will gave to fork out a whopping €10,500 - this would be impossible for most(all) clubs?

The best action a club can take is to let all players know the max payout for medical expensese through the insiurance scheme is €4,500 than it is really the players decision if they feel they shoud get further insurance.

It is a mindfield.

csjj (Wexford) - Posts: 104 - 08/01/2014 14:46:20    1528998

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it is a mindfield i agree, but its a maximum of 4500 euro for surgery. if the player is out of work for a period he is entitled to 200 euro per week from weeks 2 to 4 that hes out of work and 400 euro a week from week 4 to 52 depending on how much social welfare the player is entitled per week. getting back to the 4 and a half grand, that is adequate for most surgerys. that will cover a cruciate surgery and a scan no problem.
my club decided to take the hit on a hip surgery costing 7 grand between surgeon , anaesatist and use of hospital for a night. 2 and a half grand it cost when the excess of 4 and a half grand was taken out. sickener. the player was still complaining about pain 18 months later , went back to surgeon and guess what? he wanted to operate again.

peter147 (Wexford) - Posts: 553 - 08/01/2014 15:55:06    1529053

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he got more surgery 3 months ago [this time bill came to just over 4 grand] and is on the comeback trail again. every player without fail that we have sent to this specialist has been told hips in bad condition and been recommended surgery.
did u get ur ops in waterford?

peter147 (Wexford) - Posts: 553 - 09/01/2014 12:45:38    1529410

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No, in dublin in santry sports clinic. luckily i have my own health insurance so wasn't hit with huge bills like your own club.
im debating going to patrick carton in waterford for a second opinion on both hips.i didnt hear about him until after the second op.he is supposed to have the most advanced hip arthroscopy techniques in ireland. kerrys darren o sullivan went over to Coventry to a guy called Professor Griffin.Hes supposed to be one of the best in the world.
Its unbelievable how many high profile sports people are having this hip op in recent years and even in recent weeks. Sean O Brien and Rhys Ruddock were in Santry at the same time as me. Eamonn Callaghan, Niall Kelly, Eoin Doyle (all Kildare), Eoghan O Gara (Dublin), Shane O Rourke (Meath), Keith Fahey (Irish soccer player), Damien Cahalane (Cork) Karl Lacey (Donegal), Conor McGrath (Clare). I'm sure there's a heap more I haven't heard about. I read the article about Jack Hobbs. He probably doesn't realise it but he's facing a full hip replacement at a very early age judging by what his father was saying.

techland (Galway) - Posts: 494 - 09/01/2014 18:30:41    1529724

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that surgeon u mentioned in waterford is the specialist i referred to above. think long and hard before u make decision on your surgery. if u go see him , i would bet anything he will want to operate.3 players from my own club who went down that road disapointed with results and aftercare treatment. three wexford inter county players mossy waters, liam og mcgovern and james breen got hip procedure on both hips. one of them happy with results, one has little improvement in one hip, one very disapointed, regrets getting it done. draw ur own conclusions.

peter147 (Wexford) - Posts: 553 - 10/01/2014 14:25:59    1530031

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lads its a very worrying development talking of all these surgeries.if i,m correct one of the bennetts that played minor with waterford came back after two operations on his hips.

CTGAA10 (Limerick) - Posts: 1232 - 10/01/2014 14:43:40    1530041

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my right hip op in june 2009 was a big success or so i thought.i was 100 per cent pain free for three years.then after helping out with a training session one evening where i stood in goal kicking out the ball,the symptoms returned with a vengeance.now i have pain every hour of every day where as before the op the pain would come and go during the day. i had the left hip done in june 2012 and it was a nightmare.ended up off work for seven months,barely able to walk properly and in constant pain.the injuries have affected my knees very badly for the last year and a half.its unlikely i will have another op but i can see why people would risk going back for repeat ops coz living with this kind of pain every day is depressing.probably the worst part of the saga was the disgraceful way i was treated by the surgeon after the failed op.id warn anyone thinking about having it to stay away from a certain surgeon in santry sports clinic.
apologies for the rant.on days like today its hard not to!

techland (Galway) - Posts: 494 - 10/01/2014 18:59:46    1530216

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you have been through the mill alright,if u wish u could google paul berry physio adamstown county wexford. he has treated a lot of the hip procedures that came out of whitfield from that specialist. very approachable guy who will give u unbiased opinion.
obviousley every injury is different, i was refering to players who were playing away and absolutely flying and just felt a bit of discomfert , take a spin down to waterford to be told they have hips of a seventy year old.thats different scenario to your situation where its affecting your day to day life. best of luck whatever road u go down.

peter147 (Wexford) - Posts: 553 - 11/01/2014 10:10:03    1530312

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cheers peter147. wouldnt wish it on anyone but interesting to hear that I'm not the only one having failed operations.

techland (Galway) - Posts: 494 - 11/01/2014 18:40:46    1530468

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I have just come across this conversation while getting info. I know a little about these hip scopes that surgeons are doing. The outcome of each player is going to be different. Your outcome completely depends on the amount of damage you have had before the surgery. And the surgeon would be able to advise you on this before surgery, by looking at your scans. You dont have to go for surgery. That choice is yours. If you experience pain, of course the surgeon is going to operate. Symptoms mean that there is damage there, and a player will usually have symptoms (like a niggling groin) for years. The longer you have it , the more damage that will be there, and the harder it will be to have a better outcome. Players are trying to prolong their careers, and that is the way to do it. If they gave up sport, their symptoms would go. But people dont want to do that.

kilkennyhurl35 (Kilkenny) - Posts: 1 - 03/03/2014 16:03:37    1554005

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