23. Insurance

World Rugby Handbook

REGULATION 23 REGULATION 23. INSURANCE Definitions For the purposes of this Regulation 23 the terms below shall have the following meanings assigned to them: Career-Ending Injury means an injury to a Player which wholly and continually prevents him from participating in the Game and where no recovery to permit the Player to resume participating in the Game is foreseeable; Catastrophic Injury means an injury to a Player which wholly and continually prevents him from participating in any and every occupation including the Game and where no recovery is foreseeable; Emoluments means Guaranteed Payments less any amounts which are or will be received by a Player from his Primary Employer, if that Primary Employer is a Rugby Body or Club, during the Player’s period of incapacitation from playing the Game so as to represent the real economic loss in each case with respect to Guaranteed Payments; Guaranteed Payments means the actual payments guaranteed to a Player for a one-year period from the date of the injury in respect of playing the Game by a Rugby Body or Club where that Rugby Body or Club is the Player’s Primary Employer; International Duty means representing, playing for, training and/or preparing with a senior National Representative Team and/or a National Squad; Medical Expenses means the actual cost of medical expenses incurred in treating an injury to a Player, excluding, without limitation, pioneering or alternative treatments, international travel for treatment other than travel to the Player’s home country and any other expenses above the ordinary cost of the necessary treatment. World Rugby will have the final decision in respect of any dispute in relation to the foregoing; Primary Employer means an employer for whom a Player is required, pursuant to a written agreement, to provide services for a minimum of 75% of his Working Time; Temporary Total Disablement means an injury to a Player which temporarily and totally prevents him from participating in the Game but is not a Catastrophic Injury or Career-Ending Injury; and Temporarily Totally Disabled shall be construed accordingly; and Working Time means the total time a Player is available to provide services whether such services are provided to the Primary Employer or otherwise. Last update: 14 January, 2015 471


World Rugby Handbook
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