AFL Players Face Loss of Brain Injury Insurance Coverage

Zurich Insurance cited "widespread uncertainty" about the long-term health impacts and risks associated with concussions in high-contact sports as the primary reason for this policy adjustment. The insurer acknowledged the establishment of the Severe Injury Benefit by the AFL and AFL Players Association (AFLPA) in May 2025, which aims to support players who have suffered significant cognitive or bodily impairments from playing football.

Currently, AFL players are entitled to up to $1.1 million in death and TPD cover through their superannuation. However, with the upcoming changes, TPD cover will decrease by $650,000, and death cover will reduce by $350,000. This significant reduction raises concerns about the financial security of players who may suffer from severe brain injuries in the future.

The decision has sparked discussions within the AFL community, especially considering the increasing number of former players diagnosed with CTE post-mortem. Notable cases include Richmond's Shane Tuck, St Kilda great Danny Frawley, Eagles premiership player Adam Hunter, and AFLW premiership player Heather Anderson. The prevalence of such diagnoses underscores the risks associated with the sport and the importance of adequate insurance coverage.

In response to these developments, the AFLPA and other stakeholders are exploring alternative measures to ensure players have access to necessary support and compensation. The establishment of the Severe Injury Benefit is a step in this direction, but there is a growing consensus that more comprehensive solutions are needed to address the long-term health and financial well-being of AFL players.

For tradespeople and other professionals, this situation highlights the critical importance of understanding the specifics of their insurance coverage, especially concerning occupational hazards. Ensuring that policies provide adequate protection against industry-specific risks is essential for financial security and peace of mind.