Orlando Harmon
There have been several instances of discussions around insuring body parts of individuals, especially athletes, given the high risk of injury. One such athlete is Stephen Curry, a basketball player for the Golden State Warriors, whose hands are crucial to his career. Curry has had a history of hand injuries which have impacted his performance and recovery time. While there is no confirmation that Curry's hands are insured, the NBA has expanded its health care policy, with Curry and his teammate Kevin Durant playing a role in providing health insurance for retired NBA players.
| Characteristics | Values |
|---|---|
| Insurance offered | Mobile Insurance Complete, Mobile Insurance Lite, Geek Squad Insurance, Extended Warranty |
| Insurance coverage | Theft, spills, smashes, mechanical breakdown, faults, accidental damage |
| Insurance exclusions | Accidental damage, cosmetic damage, loss or theft |
| Customer experience | Positive - straightforward and quick, negative - mis-selling, poor customer service |
| Customer advice | Read the policy, check household insurance, be aware of fraudulent claims |
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What You'll Learn
Stephen Curry's hand injury and recovery
On October 31, 2019, Stephen Curry of the Golden State Warriors suffered a broken left hand after a hard fall during a game against the Phoenix Suns. Curry sustained the injury after colliding with Suns player Aron Baynes, who fell on top of Curry's hand. The injury was diagnosed as a fracture in the second metacarpal, the bone in the hand below the index finger. Curry underwent a CT scan, and the Warriors consulted specialists to determine the best course of treatment.
Metacarpal fractures are common, accounting for 30-40% of all hand breaks, and can vary in severity. Curry's injury was expected to keep him out for at least three months, but he was projected to make a full recovery. The recovery process typically involves physical therapy and rehabilitation to regain strength and mobility in the hand. Non-surgical bone realignment and immobilization are often recommended for milder fractures, while more severe breaks may require surgery to insert pins, screws, or plates.
Prior to his hand injury in 2019, Curry had also experienced a thumb injury in January 2025, which he re-injured as the regular season came to a close. During the Warriors' playoff run, there were accusations that the Houston Rockets were targeting Curry's injured thumb, attempting to hinder his performance. Despite this, Curry averaged 26 points and six assists during the first four games of the series.
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Curry's thumb injury targeted by Rockets
During the 2025 NBA playoffs, the Golden State Warriors accused the Houston Rockets of targeting Stephen Curry's injured right thumb. Curry first sustained the injury in January, and re-injured it in the second-to-last game of the regular season.
In Game 5 of the series, Rockets forward Dillon Brooks made contact with Curry's thumb after the release of a 3-pointer. No foul was called, but Curry made officials aware that he felt he was being targeted. Brooks responded to the accusations, saying:
> "I've been playing the game. If [someone] had an injured ankle, I would attack that ankle every single time. So, whatever they're saying on the broadcast, they can keep saying it."
Warriors coach Steve Kerr said he believed the Rockets were "outsmarting the rules", and expressed hope that the league would address the issue after the season. Despite the controversy, the Warriors still led the series 3-2 heading into Game 6.
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Curry's hand surgery
During a game against the Phoenix Suns in 2019, Stephen Curry of the Golden State Warriors sustained a broken left hand. Curry leapt with the ball and landed headfirst, bracing himself from the fall with his hands. Unfortunately, Aron Baynes crashed onto Curry's left hand, causing him to break his second metacarpal, one of the long bones of the palm connecting the wrist bones to the finger bones.
Curry underwent hand surgery two days after the injury, with the procedure performed by Dr. Steven Shin at the Cedars-Sinai Kerlan-Jobe Institute in Los Angeles. The surgery was necessary to realign the broken bone in his hand. Curry was expected to be out for at least three months, with his recovery timeline estimated to be around All-Star weekend in mid-February.
Metacarpal fractures are relatively common, accounting for 30-40% of all hand breaks. The severity of these fractures can vary, resulting in recovery times ranging from approximately three weeks to six months. In Curry's case, the injury was more severe, and his recovery was projected to take three to four months to ensure the bone fully healed.
Following surgery, patients typically work with a physical therapist to improve muscle strength and increase hand functionality. In some cases, additional surgeries may be required to remove any hardware used during the initial procedure or to address scar tissue and restrictive supporting structures around the joint.
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Curry's insurance dispute
Currys is a UK-based retailer of electronic goods. The company has been involved in several insurance disputes, with customers reporting issues with the company's handling of insurance and warranty claims.
One common issue reported by customers is the alleged mis-selling of insurance policies. In one case, a customer reported that a salesperson at Currys had offered them "insurance" for a tablet, which was later revealed to be a 3-year extended warranty that did not cover accidental damage. Currys admitted to mis-selling the insurance but refused to repair the device, instead offering a refund for the fee. The customer reported being given the run-around by Currys' complaints department and expressed frustration at the way they were treated.
Another customer reported a similar experience, where they were sold an extended warranty for a laptop but were later informed that the policy did not cover accidental damage. In this case, the customer was told that they would need to purchase separate household insurance to cover accidental damage, which Currys does not sell. The customer felt that the extended warranty was unnecessary and overpriced, providing little more coverage than their legal rights already afforded them.
In addition to issues with mis-selling, some customers have reported difficulties in making claims under Currys' insurance and warranty policies. One customer reported that their surround sound system had been accidentally damaged, but they were unsure if their Currys extended warranty would cover the damage. Another customer shared their experience of having to get their laptop repaired multiple times within a short period, eventually resulting in a refund after the battery stopped working.
To resolve insurance disputes with Currys, customers are encouraged to first contact the Currys Customer Experience Team by phone or in writing. If a resolution is not reached, customers can refer their complaint to the Financial Ombudsman Service or an Alternative Dispute Resolution scheme, such as Consumer Arbitration. While Currys is bound by the decision of the Financial Ombudsman Service, customers are not and may choose to pursue other avenues if they are still unsatisfied with the outcome.
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Curry's involvement in insuring retired NBA players
In 2018, it was revealed that NBA players Steph Curry and Kevin Durant helped expand the NBA's healthcare policy to include retired players. The insurance plan gives all retired players who played at least three years health insurance until they are eligible for Medicare. Curry and Durant's involvement in the initiative was praised by NBA veteran Spencer Haywood, who highlighted the substantial financial contribution made by the players. According to Haywood, the insurance program provides retired players with the same level of health insurance coverage that active players receive.
As one of the highest-paid NBA players, Curry has leveraged his financial resources and influence to address a significant need within the league. His endorsement deals, including his long-term partnership with Under Armour and his role as president of the Curry Brand, have contributed significantly to his earnings. Curry's off-court endeavours have positioned him to make a meaningful impact on the lives of retired players, showcasing his dedication to the broader NBA community.
In addition to his contributions to the insurance program, Curry has also made notable charitable donations and supported various causes. His philanthropic efforts extend beyond the NBA, as he recognises the importance of giving back and using his platform for positive change. Curry's involvement in insuring retired NBA players is a testament to his character and his desire to create a lasting impact that transcends the game itself.
Overall, Steph Curry's role in insuring retired NBA players is a commendable initiative that addresses a critical aspect of player welfare. By providing health insurance, Curry, alongside Kevin Durant, has helped ensure that retired players can maintain their health and well-being during a stage of life when access to healthcare may otherwise be challenging. This initiative sets a positive precedent for other sports leagues and underscores the importance of taking care of athletes even after their playing days are over.
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