Yes, but that is the point of insurance
But what would be the insurance payout for an unemployed rugby player?
If they have an injury that keeps them out for 6-8 weeks, they'll likely miss the boat on getting any kind of contract this season, which may or may not hinder them next season too.
Would the insurance payout be for 6-8 weeks be sufficient to make it worth (probably) not getting a contract this season?