Editorial :

FIF insurance scandal

The editorial of our magazine last week seems to have found receptive ears on the side of the Ivorian Football Federation because it had the effect of bringing dare-dare its 1st Vice-President, the service firefighter, to try To stifle the scandal that threatens to fry, not the FIF, but its agents, members of the Executive Committee, whose irresponsibility we continually denounce.

The case is serious, very serious and we are informed every day of facts as incredible as unimaginable.

We confirm here our accusations that the competitions organised by the FIF during the 2017-2018 season were not ensured by the actors (players, officials, arbitrators,…).

The argument is relentless and the Vice-president of the FIF has made all the statements he wishes and as hard as he wants, he has so far produced no documents proving that the insurance policy in sports liability Contracted for the period from 1 January to 31 December 2018 was settled within the prescribed time limits. He will not be able to do so since a letter from the ACS insurance brokerage firm dated May 31, 2018 reveals that the premium was not paid on that date. However, in accordance with article 13 of the CIMA Code governing insurance of Côte d’ivoire, “The taking effect of the contract shall be subject to the payment of the premium by the Subscriber.” Insurance undertakings, under penalty under Article 312, are prohibited from underwriting an insurance contract whose premium is not paid or renewing an insurance contract the premium of which has not been paid. Thus, if the premium is not paid on time, the insurance coverage is non-existent.

The 1st Vice-president of the FIF said in an interview published on Monday, September 10, 2018 in the sports daily “Le Sport” (N ° 4268): We are not irresponsible. In life, beyond what we do in football, we have other responsibilities. We cannot have fun putting young people on the ground and having football players travel the whole area without having insurance available to them. ”  This is unfortunately the case and that is why we have an obligation to alert all football players to this sad reality so that they urgently the consequences.

The catastrophic search for a new insurer for the 2018-2019 season could not in any way remedy the serious and irreparable fault of the 2017-2018 season. Worse, by going to another insurer than SUNU insurance, the FIF offers us an additional clue confirming the absence of a sports liability insurance policy for the 2017-2018 season!

The same letter of 31 May 2018 from the ACS insurance brokerage firm reveals that the FIF is also liable for the sum of 189 539 149 FCFA for the management fees of club insurance, i.e. health insurance, managed by ACS, for the years 2016, 2017 and 2018. This situation is of great concern to the extent that ACS mentions that “the management of this insurance becomes more difficult over the days with regard to the large stock of arrears”. 

However, what appeals to us in this debate is the empowerment of the ACS broker to act as a health manager. This profession is regulated and we are concerned, with respect to certain information, about whether ACS has a health manager approval. 

It is up to the FIF to reassure us by communicating to us the evidence of ACS ‘ quality and power to manage the health insurance of FIF-affiliated clubs, as well as the reality of this service, in view of the large inventory of management fee arrears that makes GE Stion of this difficult portfolio, according to the broker. In any case, no insurer would maintain its coverage in the face of such arrears, but it is true that ACS is not an insurer!

And if it were proven that this broker is not a registered health manager either, it would mean that this serious and irregular choice of bif hides equally serious and uneven facts.

Those are our clear arguments. Rather than giving interviews without presenting any valid or reliable documents, we expect the clear answers from the IFF Executive committee. 

“This insurance case”, as the first Vice-president of FIF refers to, is not a “false debate”. This is an essential debate for the survival of our football and the safety of its actors.



Master Roger OUÉGNIN