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In February 2023, an NBI hockey player fractured his collarbone in a collision near the rink. Following surgery, the player spent the rest of the season in rehabilitation. His club took care of his salary during the recovery period. The loss of 10 months of the player's salary for the season represented a loss to the club of approximately 7 Million HUF until the athlete's return. The temporary disability cover would have compensated the club for the loss of net income until the player's return, even if it is in the following season.

In 2023, a national ice hockey team player could not travel to the World Cup due to a leg injury. His injury meant that he was deprived of a significant income that he would have received for playing in the games and placing. Our temporary disability cover would have compensated the player for the loss of income for missing the World Cup and also for his net income under his contract during his recovery.

In the 2022-2023 transfer window, an NBI club signed a foreign player, but in November the player suffered a serious head injury. Serious surgery was required and it was questionable whether the athlete would be able to return to professional sport. After the prescribed rehabilitation period, doctors concluded that his injury would prevent him from continuing to participate in professional sport. Once it became clear that his return was not possible, the permanent disability insurance taken out by the club on the athlete reimbursed the market value of the ice hockey player, which was approximately 114 Million HUF, paid by the club at the time of his signing.

The world champion right wing handball player suffered multiple facial fractures, a fractured jaw and a concussion. After a 5-month rehabilitation period, he could return to the court in autumn 2023. The temporary disability cover would have replaced his total loss of salary during rehabilitation (approximately 10.5 Million HUF) for the club, which paid the handball player's income during the rehabilitation period.

Associational

Individual

The world champion right winger suffered multiple facial fractures, a fractured jaw and a concussion. After a 5-month rehabilitation period, he could return to the court in autumn 2023. The temporary disability cover would have replaced his total loss of salary during rehabilitation (approximately 10.5 Million HUF) for the club, which paid the handball player's income during the rehabilitation period.

The Hungarian national handball team's player has suffered a cruciate ligament rupture during the preparation for the World Championship. The athlete will need at least 6 months of recovery time, will not be able to participate in the World Championship and will spend the rest of the season recovering. The athlete would have been able to make up the premium for the World Championships appearance and placement and, as the injury did not occur on club premises, the salary lost during his recovery with our temporary disability cover.

In January 2023, the national handball quarterback suffered a serious eye injury during a warm-up. After 4 surgeries and 8 months (16.8 Million HUF loss of income, including his salary at the time of the injury), he was able to return to the court in August, although during his rehabilitation it was doubtful whether he would see his injured eye again. The temporary incapacity cover would have compensated the club for his full salary during the 8 months of rehabilitation, which continued to support the player's income during his recovery. If the athlete's sight had not returned, the permanent disability insurance would have paid the association the market value of his injury: 75.6 Million HUF.

The 35-year-old handball player tore his cruciate ligament as a result of a bad move. The injury was so severe that despite surgery and rehabilitation protocol, the player could not return to professional sport. With permanent disability insurance, the 112-time national team athlete could have received his market value, which could have been approximately 120 Million HUF.

Associational

Individual

In 2023, an unfortunate landing dislocated an NBI basketball player's ankle at 90 degrees. Immediate surgery and several months of rehabilitation awaited the power forward. During the rehabilitation period, which lasted at least 5 months, the club was unable to have the player back on the court. The temporary disability insurance would have reimbursed the club for the income (approximately 7.3 Million HUF) paid as a compensation for the absence of the sportsman.

At the beginning of the 2022 season, a basketball player suffered a hamstring injury following a collision in a game. He was able to return to the court after a 6-month recovery period. The player's contract with the club entitled him to receive the net income of his contract for the first 60 days of the injury. From the 60th to the 90th day, the club paid 70% of his income, and from the 90th to the 180th day, the player was no longer entitled to any income or financial support from his club. The player had temporary disability cover. The insurance paid 30% of his salary for part of the recovery period between days 60 and 90, and after month 3 it replaced his full contractually agreed income. The player was thus able to secure his full net income during the recovery period, which amounted to approximately 3.6 Million HUF.

The talented basketball player collapsed during a warm-up jump rope. At the hospital, it was determined that the athlete had suffered a stroke. His life was saved, but he cannot return to professional sport. On the basis of the medical findings, an independent medical expert concluded that he was permanently disabled, and the insurance company paid the market value of the athlete, nearly 200 Million HUF, as compensation.

At the World Basketball Championship in autumn 2023, a player required immediate life-saving surgery after being hit. Complications arose after the operation, requiring the removal of his kidney, which had been damaged by the impact. He faced a minimum 3-month lay-off and his return to professional sport is in question. If the basketball player is able to play after rehabilitation, the temporary disability cover will reimburse the net income lost during the rehabilitation period - 4.4 Million HUF. If this is considered to be the end of the athlete's professional sports career, the permanent disability cover will reimburse the athlete for the market value at the time of the injury. The amount of compensation paid to the player may reach 100 Million HUF.

Associational

Individual

In April 2023, a Hungarian national team volleyball player suffered an ankle injury during a match. The injury proved so serious that he was unable to play in the remaining matches, including the cup final. Until his return, his temporary disability cover could provide financial support to replace his entire net salary lost during the rehabilitation period, which is approximately 2 Million HUF. The athlete's income was also paid by his club during his rehabilitation and the insurance cover would have taken over this financial obligation.

In February 2023, the key Brazilian volleyball player tore his cruciate ligament as a result of a bad grip on the ground and had to miss the rest of the 2022-23 season. He returned to his team after surgery and 8 months of rehabilitation. According to his contract, the athlete was entitled to 60 days of salary in case of injury. After 60 days, our temporary disability coverage would have paid the player's full net salary (approximately 3 Million HUF) for the remaining period of rehabilitation.

In 2020, an elite volleyball player lost consciousness during a training session after a ball hit him in the right side of the head. Medical examinations at the scene revealed that the athlete suffered a mild concussion. 4 days later, doctors found him fit to play sports. The following Sunday, the player played again, where he suffered a second concussion on an unfortunate landing. The player was subsequently diagnosed with second concussion syndrome due to recurring fainting episodes and migraines, and tests also revealed a skull fracture. The player's pain limited his rehabilitation and, unable to recover enough to play at professional level again, he decided to retire. In this case, our permanent disability coverage would have reimbursed the retired player for the athlete's full market value or net income for the 3 years prior to the injury.

An NBI volleyball player died in a car accident in 2022. In the case of such tragedies, accidental death coverage reimburses the deceased athlete's 3 years of net income to the chosen beneficiary.

Associational

Individual

In October 2022, the mainstay of an NBI club suffered a pulled Achilles tendon and then a ruptured tendon on the pitch during a match. His injury is expected to take 8 months to heal. During his recovery, the club continued to pay the player his full salary. The club took out a temporary disability insurance policy to cover the loss of income, so that after the 30-day deductible, he could recover 7 months of his income, approximately 10.5 Million HUF, from the insurer.

A Hungarian national football team player suffered a cruciate ligament rupture, which was operated a few days after the injury. The athlete had disability insurance, so when the team doctor concluded that he would be unable to play for a long period - more than 6 months - his insurance cover kicked in. However, the surgical wound became infected and the healing process took longer, with the player out for a total of 8 months. After the 45-day deductible, the player's insurance paid his contracted income for 8 months until the player had fully recovered and could return. This was an extraordinary amount, in exchange for a starting role at a European top league club, over 1.2 Billion HUF.

An English talent of top-flight football has suffered a serious ankle injury in a bad move and has been forced to miss the entire 2006/07 season. Rehabilitation following the injury was not entirely successful, but the player still returned to the pitch. However, pain from the original ankle injury forced him to retire shortly afterwards. The insurer reimbursed the club the market value of the player at the time of his injury, which exceeded 200 Million HUF.

The 26-year-old midfielder, who plays in the Hungarian top-flight football league, has suffered a groin injury after a kick. After several operations, the player decided to retire from professional football on medical advice. The player had permanent disability cover, so the insurer reimbursed him the market value of his injury when it was confirmed that his injury would prevent him from playing professional sport. The amount of compensation exceeded 150 Million HUF.

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