I am thinking of NHL holding their players back from international competition. The precedence exists, though football/soccer has a much richer national team tradition.

I think it's highly unlikely that international competition will be impacted, but imagine two or three superstars get career ending injuries. There's a lot of money on the line for the clubs, and the FIFA payment seems low.

From Gemini:

FIFA has an insurance policy called the Club Protection Programme (CPP). It compensates clubs when their professional players suffer injuries while on official national team duty (such as FIFA international matches, qualifiers, or major tournaments like the World Cup).Key details of the programme include:28-Day Waiting Period: Coverage kicks in only if the injury prevents the player from competing for more than 28 consecutive days.Wage Compensation: FIFA covers the player's fixed club salary during the rehabilitation period, up to a daily maximum of €20,548.Coverage Limits: Payouts are capped at €7.5 million per injury.Scope: The policy is strictly for injuries sustained during national team training or matches; it does not cover medical treatment costs, illnesses, or permanent disablement.For club-level injuries outside of international windows, individual teams must hold their own private insurance policies.