As European football kicks off for the new season, many players face being uninsured if their careers are ended because of COVID-19.
With the restrictions tightened across the UK, a host of players are seeking clarification as to whether they would be protected if contracting the virus meant they were forced to stop playing.
They are being advised they would not be covered if infection leads to them having to end their careers prematurely because the coronavirus is not listed as a critical illness.
However, they may be eligible for an insurance pay-out, if contracting the virus leads to another illness that is recognised as a critcial illness, which is not standardised in players' insurance policies, but can be added for a further charge. Many players forgo this level of cover because it can cost up to £5,000 per year in some cases.
As such, players are improving their insurance policies having made reservations about playing again while the risk of contracting COVID-19 remains strong, even with games being played behind closed doors.
But while that helps protect supporters against COVID-19, players and staff are still at risk of contracting the illness - which would have knock-on consequences for their families.
A number of high-profile footballers, including Paul Pogba and Neymar Jr., have recently tested positive for COVID-19, while the latest round of Premier League COVID-19 tests, four people tested positive and will have to self-isolate for a period of 10 days. A total of 2,131 players and club staff were tested between Monday, September 7 and Sunday, September 13.
The Association of British Insurers have confirmed that coronavirus is not recognised as a critical illness - but said that in "the unfortunate event a person were to develop a listed critical illness as a result of having coronavirus we would expect insurers to approach this claim in the same as treating someone with a critical illness."