Top 10 Key Facts About Your Joint Professional Players’ Insurance Scheme


LONDON, ENGLAND - AUGUST 23: (L-R) Tom Wood of Northampton Saints, Jonno Ross of Sale, Jaco Kriel of Gloucester, George Smith of Bristol Bears, Danny Care of Harlequins, Owen Farrell of Saracens, Christian Wade of Wasps, Ben Youngs of Leicester Tigers, Jack Nowell of Exeter Chiefs, Ben Te'o of Worcester Warriors, Taulupe Faletau of Bath Rugby and Toby Flood of Newcastle Falcons pose with the Gallagher Premiership Trophy during the Gallagher Premiership Rugby 2018-19 Season Launch at Twickenham Stadium on August 23, 2018 in London, England. (Photo by Jack Thomas/Getty Images for Gallagher)


In our latest top 10 guide for professional rugby players, we focus on your cover under the Joint Professional Players’ Insurance (JPPI) Scheme.


1. All contracted, registered players playing for Premiership clubs, England 7s and London Irish are covered by the joint RPA/RFU/Premiership Rugby JPPI insurance scheme.


2. It is a personal accident insurance policy, administered by Towergate Insurance and underwritten by Aviva Insurance Limited. Your RPA membership fee contributes to the JPPI scheme.


3. 20 claims have been paid by the JPPI scheme over the past 3 years for a total benefit of £1.3 million.


4. The policy provides 24/7 cover for a single, sudden and unexpected event, that directly and independently results in a career-ending injury, as well as career-ending illness.


5. The insurance does not cover an accumulation or series of injuries or traumas.


6. The levels of Permanent Total Disablement benefit (if you were unable to continue your career as a professional rugby player) are as follows (please be aware that benefits are reduced by 21% for claims by non-RPA members):




7. 10 Game Rehabilitation clause – once you have returned to full fitness and have been selected to play (including as a replacement, even if you don’t get on) in 10 games (or 4 tournaments if a contracted 7s player), after suffering an injury or contracting an illness, then you are considered to have fully rehabilitated and will be unable to make a claim for that injury.

For example, if you suffer an injury, come back to fitness and play 5 games but then have a recurrence of the same injury to the same body part and/or have an operation at that point, those 5 games prior to the recurrence/operation would still count towards your 10 games.


8. There are exclusions to the policy, including pre-existing conditions and degenerative conditions (please speak to the RPA for full details of these exclusions):

a) Pre-existing conditions – a  condition which existed and was diagnosed within 3 years of 1st August (each year) is excluded but this exclusion will not apply in certain circumstances linked to the number of games played and your age;

b) Degenerative conditions – osteoarthritis, arthritis or any other degenerative process of joints, bones, muscles, tendons or ligaments are excluded BUT if these conditions exist, a proportionate payment could still be made in certain cases if retirement is also due to a single, sudden and unexpected incident.



BARNET, ENGLAND - SEPTEMBER 22: (EDITORS NOTE: THIS IMAGE HAS BEEN CONVERTED TO BLACK & WHITE) The arms of the pack interlock at a scrum during the Aviva Premiership Rugby match between Saracens and Bath at the Allianz Park on September 22, 2013 in Barnet, England. (Photo by Richard Heathcote/Getty Images)


9. The policy will not provide cover for players who train or play for:

a) Invitational teams e.g. Barbarians

b) University teams

c) Other non-club teams

d) International teams (other than England)

If you are invited to play for any invitational side or international team (other than England) it is important to understand what levels of insurance they have put in place for you.


10. As an RPA member, in the event of a potential claim, you should notify the RPA immediately (contact Natalie Beckett: ) who will be able to assist you in managing your claim. Be aware that it takes some time for all medical records to be collected and assessed by the insurers. The more complex the claim, the longer it can take. Do not expect a claim to be completed within a few weeks or months.

Your club needs to notify Towergate of any injury or illness that involves more than 28 days’ continuous incapacity BUT you should check that this has been done.