Personal Injury insurance is designed to offer some peace of mind to members, participants, volunteers etc of your club by having protection for certain costs related to an injury sustained whilst involved in Touch Football activity.
Personal Injury cover provides financial assistance in three key areas:
- Non-Medicare Medical Benefits
- Loss of Income Benefits
- Capital Benefits
In general, all touch football activities are covered, including:
- Playing in official matches
- Engaged in organised training and/or practice sessions
- Travelling directly to, from or between official matches or training, your palce of residence or place of employment
- Staying away from your home whilst participating in Representative Games or other organised events
- Organised social activities for your affiliated association, competition, club or Touch Football Australia
Who is Covered?
Touch Football Australia and their affiliated Associations, Clubs, members, coaches, referees, officials, voluntary workers, first aid persons and administration personnel.
Coverage Limits & Excess
Capital Benefits (Death & Permanent Disablement)
$100,0000 maximum ($10,000 if under 18 years of age)
Non-Medicare Medical Benefits
80% reimbursement up to a maximum of $3,000
52 week benefit period
Loss of Income
Optional upgrades are available upon application and payment of applicable premium
Sportscover Australia Pty Ltd
Extra info about this policy …
When does personal injury insurance apply?
Personal Injury insurance provides coverage for injuries sustained whilst participating in an activity under the following circumstances:
- An official match or training session
- Travelling to and from an official club activity
- Participation in an official club function
- Tours or representative matches
What do each of the personal injury sections cover?
Capital Benefits – provides cover in the event of death or permanent disability.
Non-Medicare Medical – provides reimbursement for items that are not claimable in any way through Medicare. Due to legislation, this does not include the Medicare Gap.
Loss of Income – (where included) provides reimbursement of a claimants’ weekly income.
What is generally covered …
- Ambulance transport
- Private hospital accommodation
What is generally not covered …
- Doctor’s Fees
- Surgeon’s Fees
- Anaesthetist Fees
- Public hospital costs
- MRI Scans
You can’t claim if you …
- Play against medical advice
- Have a pre-existing injury
- Are under the influence of alcohol or drugs
- Are involved in a criminal act
- Have a pre-existing illness or disease (i.e. cancer, heart condition)
MRI scans are generally claimable through Medicare, however sometimes the referrer and/or provider is not registered with Medicare. In this case, you can claim through your Personal Injury policy.
Examples of Personal Injury Claims
A participant loses permanent sight in one eye due to a ball hitting him. The claimant can claim for permanent disablement under this section.
A participant requires a knee reconstruction resulting from a major injury. A claim can be made through this section of the policy for items not covered in part by Medicare.
Loss of Income
Bill is a builder and is unable to work due to breaking his leg whilst playing. His is able to claim for lost income under this section of the policy, if purchased, (all in line with his earning capacity and the maximum available benefit under the policy).