Former Hearts of Oak player and a management member; Joe Addo, has indicated that, lack of Insurance Package for players which Hearts of Oak is not an exception, is a big problem in Ghana.
According to Addo, one positive thing about Hearts is that, they have doctors to attend to injured players although the team is without insurance. “concerning
injury, he is fortunate to be playing for Hearts because they have doctors. For insurance, Hearts has not got that. Insurance is when a player is injured and getting paid while not playing.” He said.