Health and Wellbeing 1 of 5

1. Insurance

What insurance coverage does the club/HKRU provide?

HKU Sandy Bay RFC is covered by public liability insurance only.

HKRU provides;

  • Catastrophic Insurance for all registered senior players and “named” professional players which covers death and permanent disability and third party accidents
  • Medical Insurance to all U14-19 players

What are my responsibilities regarding insurance?

All Hong Kong Identity Cardholders can receive emergency treatment at Hong Kong public hospitals.

Players on Working Holiday Visa (WHV) may have to make co-payment when visiting a public hospital but should all have their own medical insurance in order to apply for the WHV.

It is recommended that players seek their own private insurance for peace of mind. If you require a non-urgent medical procedure it may take many months on a waiting list to be processed. With private insurance, you have a lot more control over the timing of your treatment and choice of specialist/clinic.

What to do when injured?

The HKRU advises the following injury protocols on its website -

Who can I contact about insurance?

Send an email to