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PERSONAL ACCIDENT INSURANCE
SECTION
Period of Insurance
12 months
form commencement date
Insured Persons
All
Registered Members, Coaches, Umpires/Referees, Administrators,
Committee Members, Trainers, Medical Staff or Voluntary Workers of
the Insured Organisation.
Age Limits
Nil
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.
Policy Benefits
Capital Benefits
The cover under this section provides
(Gold $75,000 / Silver $50,000 / Bronze $50,000) for death
resulting from accident. All other permanent disabilities are
calculated using a percentage of the death benefit depending on
the severity of the injury. For full details of these
percentages, please refer to the Schedule of Capital Benefits
contained in the policy wording. Please Note Death is limited to
20% for Members whose age is less than 18.
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 (Optional)
The cover under this section pays 100% of the Members actual
weekly income, up to a maximum of (Gold $500 / Silver $350 /
Bronze $250) 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 (Optional)
The cover under this section reimburses
100% of the cost of Home Tutorial by a qualified tutor, up to a
maximum of (Gold $500 / Silver $350 / Bronze $250) 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 (Optional)
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 (Gold $500 /
Silver $350 / Bronze $250) 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 (Gold
$2,500 / Silver $2,000 / Bronze $1,500). 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 Benefits
The cover under this section provides
for reimbursement of:
a.
Tuition
or advice fees from a vocational college if certified as necessary
and agreed to. The maximum payable under this benefit is $3,000.
b.
Rehabilitation expenses (eg gym membership) certified as necessary
and agreed to. The maximum payable under this benefit is $500.
Unexpired Membership Reimbursement Benefit
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 1 as listed in the Schedule of Capital
Benefits.
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