Female Athletes to Benefit from Landmark Insurance Changes

Female athletes are on the verge of a major breakthrough in insurance coverage, addressing critical gaps in support for pregnancy, contraception, menopause, and health conditions that disproportionately affect women. This development stems from the Carney review, an independent assessment of women's football led by former England international Karen Carney.

The Women's Football Taskforce, established by the government to implement the Carney review's recommendations, has collaborated with Loughborough University and leading insurance providers to ensure female athletes receive appropriate insurance coverage. Loughborough University, ranked the world's No. 1 university for sports-related subjects for a 10th consecutive year, played a pivotal role in driving these changes.

The changes aim to address 'blind spots' in insurance policies, particularly concerning pregnancy, contraception, menopause, and conditions like Relative Energy Deficiency in Sport (Red-S), a complex syndrome caused by low energy availability. Red-S can lead to metabolic, hormonal, and physiological changes, with indicators such as stress fractures and disruptions to the menstrual cycle.

Karen Carney praised the development, stating, “Seeing the recommendations being taken seriously and resulting in tangible improvements is always amazing.” She emphasized the importance of the report and thanked those involved in making these changes a reality.

Stephanie Peacock, the minister for sport and chair of the Women's Football Taskforce, welcomed the positive change, highlighting the collaborative effort with insurers and Prof Jo Maher of Loughborough University.

The British Insurance Brokers’ Association is working with major brokers like Aon, Willis, and Marsh to revise policies. Aon has already extended its personal accident policies to include miscarriage as a result of a sporting accident as standard. Axis and Association for British Insurers are also reviewing their products to better support female athletes.

Prof Jo Maher noted, “Developing products for female athletes marks an important step in ensuring we drive world-class and equitable standards in women’s sport.” She emphasized the collaborative effort to level the playing field and support the growing success of women's sports.