I don't know the answer to this question
Michael Twiss from Bury got a substantial pay off when he broke his leg. Except he claimed off the others player's insurance. It works both ways.
Dean Ashton also benefited from insurance. To be honest, I think the clubs deduct it from players' salary nowadays on the order of the PFA. So it's pretty much compulsary.
is it compulsory to join that union , if youre a footballer ?
or any similar.
well, I imagine you do ... & it's "no", though I suspect most players actually are in the PFA.
Insurance is an odd industry. It works hard to get you ssigned up, then hard to find loopholes so they don't pay out if at all possible.
However, they also work very hard, where there are counter liabilities, to look for compromises between the two policies, even when the insured aren't keen.
My very limited knowledge of footballer's insurance will be that there is a distinction between injury and illness .... and they would frown at claims unless there are clearly career terminating. Also, contracts have a duration so any loss of earnings must reflect this. Future potential earnings are also possible, but very difficult to project.
The clubs AND the player try to cover for any loss. Value in one case, income in the other.
There can be no doubt that Moo's illness is genuine and potentially career ending, and he had 2 or 3 years contract left, so both club & player should be covered. But another snippett I have is that once a player/club is paid out that player cannot then make a professional comeback .. if they do, the sums paid will be forfeit.