Personal accident insurance program 2008/2009

 

The level of cover under the program is not 'comprehensive' and, as such, we encourage all participants to review their own individual needs. Where appropriate, we advise participants to take out private health, life and income protection insurance. It is an individual’s responsibility to ensure that he/she has adequate insurance cover for his/her needs.

 

Please refer to the full capital benefits detail available at right.

Coverage detail:

Scope of cover
The policy provides worldwide coverage for accident whilst involved in the following authorised/sanctioned activities or events:

• Competing in official matches/games
• Participating in training or practice sessions, or official functions
• Travelling to or from official matches/games, training, meetings or official functions
• Engaged in activities connected with the sport whilst staying away from home during a tour for the purpose of participating in matches/games
• Engaged in authorised voluntary work/committee meetings

Modification Expenses 
The cover under this section provides for costs necessary up to a maximum of $10,000 to modify the member’s home and/or motor vehicle, or relocating to a suitable home if they are entitled to 100% of the capital benefit.

Funeral expenses
The cover under this section reimburses funeral costs up to a maximum of $5,000.

In memoriam benefit 
The cover under this section provides for reasonable costs associated with observance of the death of a member up to a maximum amount of $1,000.

Loss of earnings
The cover under this section pays 100% of the members actual weekly income, up to a maximum of $350 per week, subject to a 7 day deferral period. Please note that income earned from participating in the sport is not covered. The benefit will be paid for the period of the disablement as certified by a registered medical practitioner or 52 weeks whichever is the lesser.

Student Help
The cover under this section reimburses 100% of the cost of home tutorial by a qualified tutor, up to a maximum of $350 per week and subject to a 7 day deferral period. The benefit will be paid for the period of the disablement as certified by a registered medical practitioner or 52 weeks whichever is the lesser.

Home Help
The cover under this section reimburses 100% of the actual costs incurred for home help from a recognised and licensed domestic help agency, up to a maximum of $350 per week and subject to a 7 day deferral period.  The benefit will be paid for the period of the disablement as certified by a registered medical practitioner or 52 weeks whichever is the lesser.

Parents' allowance
The cover under this section reimburses $25 per day in-patient benefit to a full time student under 25 years of age for continuous confinement in hospital because of an accident. The benefit is limited to $1,500.

Dependent children's allowance
The cover under this section provides for reasonable costs incurred by the dependent children of a member whilst the member is undergoing medical treatment. The benefit is limited to $500.

Medical and dental costs
The cover under this section reimburses 85% of non-Medicare medical treatment including ambulance, hospital accommodation / theatre fees, orthotics, splints, prosthesis, treatments given by a dentist, chiropractor, masseur, naturopath, osteopath or physiotherapist. The maximum benefit for this section is $2,000. All treatment must be certified by a registered medical practitioner and not subject to any Medicare rebate. All claims are subject to a $50 excess if no private health cover. Any expenses must be incurred within 12 months of the insured person sustaining the injury.

Home nursing care
The cover under this section provides for nursing care provided by a registered nurse (not related to the member) where they are confined to bed for a period of not less than 7 days if certified medically necessary.  The maximum weekly benefit payable is $300 per week, and is subject to a 7 day deferral period. The benefit will be paid for the period of the disablement as certified by a registered medical practitioner or 52 weeks whichever is the lesser.

Ancillary non-medical expenses
The cover under this section provides for ancillary non medical expenses (expenses related to medical treatment if certified as necessary. i.e. expenses include items such as travel to receive treatment, but does not include wages lost by any person). The maximum payable under this benefit is $1,500.

• Rehabilitation expenses (eg gym membership) certified as necessary and agreed to the maximum payable under this benefit is $500

Unexpired membership reimbursement benefits
The cover under this section provides for pro-rata refund of your club’s or association’s membership/registration fee from the date of injury if the member can’t play for the rest of the season. The maximum payable under this benefit is $500.

Double capital sum insured
The cover under this section provides for double the capital sum insured to be paid for a person under 12 years of age who suffers: permanent total disablement or permanent paralysis of all limbs.

Miscarriage and premature childbirth
The cover under this section provides for $2,500 compensation for miscarriage and premature childbirth as a direct result of an accident whilst participating.

HIV
The cover under this section provides for 10% of the permanent total disability benefit 1 as listed in the schedule of capital benefits if contracted as a result of an accident.

Kidnapping
The cover under this section provides for 10% of the permanent disability benefit 1as listed in the schedule of capital benefits.