Fighter insurance deductibles: who pays?

Me: Damn, Doc stopped the fight huh?

Fighter: Yeah, I was dominating until I got caught with an elbow breaking from a clinch half-way through the second round.

Me: That sucks…

Fighter: Yeah, elbow opened up a gash above my eye and the doc called it.

Me: Must have been a pretty bad cut.

Fighter: Yeah, 1 month, 15 stitches, and $500 later and I’m back on the mats.

Me: $500? I thought the promoter had insurance for that type of stuff.

Fighter: Yeah, it was covered, but he told me that the fighter is responsible for the deductable.

I have had the following conversation with up and coming fighters many times over the years:

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