Any club/league/association can choose to upgrade one or all components of the Personal Injury cover. Most upgrade options are available on a per team basis with the exception of Loss of Income cover, which can be purchased by individual members.
Bronze
-
Non Medicare Medicals
60% Reimbursement -
Reimbursement Limit
$2,000 max per claim -
Excess
$100 excess per claim -
Capital Benefits
$100,000 -
Quadriplegia/Paraplegia Benefit
$1,000,000 Maximum
Silver
-
Non Medicare Medicals
75% Reimbursement -
Reimbursement Limit
$2,500 max per claim -
Excess
$75 excess per claim -
Capital Benefits
$150,000 -
Quadriplegia/Paraplegia Benefit
$1,000,000 Maximum
Gold
-
Non Medicare Medicals
90% Reimbursement -
Reimbursement Limit
$3,500 max per claim -
Excess
$50 excess per claim -
Capital Benefits
$200,000 -
Quadriplegia/Paraplegia Benefit
$1,000,000 Maximum
Platinum
-
Non Medicare Medicals
90% Reimbursement -
Reimbursement Limit
$7,500 max per claim -
Excess
$50 excess per claim -
Capital Benefits
$250,000 -
Quadriplegia/Paraplegia Benefit
$1,000,000 Maximum
Upgrade from
Upgrade from |
Per senior / Reserve team |
Per Junior team |
Bronze to Silver |
$333.60 |
$53.53 |
Bronze to Gold |
$558.00 |
$84.47 |
Bronze to Platinum |
$756.14 |
$114.21 |
Silver to Gold |
$262.19 |
$70.19 |
Silver to Platinum |
$460.34 |
$97.55 |
Gold to Platinum |
$249.59 |
$69.00 |
Platinum
-
Non Medicare Medicals
90% Reimbursement -
Reimbursement Limit
$7,500 max per claim -
Excess
$50 excess per claim -
Capital Benefits
$250,000 -
Quadriplegia/Paraplegia Benefit
$1,000,000 Maximum
Bronze
-
Non Medicare Medicals
60% Reimbursement -
Reimbursement Limit
$2,000 max per claim -
Excess
$100 excess per claim -
Capital Benefits
$100,000 -
Quadriplegia/Paraplegia Benefit
$1,000,000 Maximum
Silver
-
Non Medicare Medicals
75% Reimbursement -
Reimbursement Limit
$2,500 max per claim -
Excess
$75 excess per claim -
Capital Benefits
$150,000 -
Quadriplegia/Paraplegia Benefit
$1,000,000 Maximum
Gold
-
Non Medicare Medicals
90% Reimbursement -
Reimbursement Limit
$3,500 max per claim -
Excess
$50 excess per claim -
Capital Benefits
$200,000 -
Quadriplegia/Paraplegia Benefit
$1,000,000 Maximum
Platinum
-
Non Medicare Medicals
90% Reimbursement -
Reimbursement Limit
$7,500 max per claim -
Excess
$50 excess per claim -
Capital Benefits
$250,000 -
Quadriplegia/Paraplegia Benefit
$1,000,000 Maximum
Upgrade from
Upgrade from |
Per senior / Reserve team |
Per Junior team |
Bronze to Silver |
$333.60 |
$53.53 |
Bronze to Gold |
$558.00 |
$84.47 |
Bronze to Platinum |
$756.14 |
$114.21 |
Silver to Gold |
$262.19 |
$70.19 |
Silver to Platinum |
$460.34 |
$97.55 |
Gold to Platinum |
$249.59 |
$69.00 |
Bronze
-
Non Medicare Medicals
60% Reimbursement -
Reimbursement Limit
$2,000 max per claim -
Excess
$100 excess per claim -
Capital Benefits
$100,000 -
Quadriplegia/Paraplegia Benefit
$1,000,000 Maximum
Silver
-
Non Medicare Medicals
75% Reimbursement -
Reimbursement Limit
$2,500 max per claim -
Excess
$75 excess per claim -
Capital Benefits
$150,000 -
Quadriplegia/Paraplegia Benefit
$1,000,000 Maximum
Public Liability Insurance
slected option
- Community Australian Football
Management Liability Insurance
slected option
- Community Australian Football
Asset Protect
slected option
- Community Football Clubs
- Leagues and Associations
- Independent Masters Clubs
Travel Insurance
slected option
- Community Participants
- Representative Football
- Umpires
- Masters Football
Asset Protect
A business package solution to help protect your clubs assets from fire, theft, damage and more.
-
Damage for contents and/or building cover
(e.g. fire or storm damage)
-
Burglary / Theft
-
Business interruption cover
(e.g. loss of gross profits)
-
Money cover
(e.g. canteen takings stolen)
-
General property cover
(e.g. property in transit)
-
Glass cover
(e.g. broken window)
-
Machinery breakdown cover
(e.g. canteen fridge)
Personal Injury & Loss of Income Cover
Provides cover for Non-Football Related Income only (i.e. income earned from full-time, part-time or casual employment).
-
Personal Injury Cover
-
Non-Medicare Medical Cover*
-
Capital Benefit Cover**
-
Quadriplegia/ Paraplegia Benefit
-
Income Loss Cover
+ Reimbursement for either 80% of the injured person’s net weekly income or the maximum amount per week as purchased by the player + Coverage is for a maximum of 52 weeks
*Examples include: Ambulance, Physio, Dental, Chiro, and Private Hospital Accommodation.
**Capital Benefit sum in the event of an under 18 death is restricted to 20% of the applicable maximum payout of each level.
Frequently Asked Questions
When it comes to reimbursement of personal injury claims, some people get confused about Medicare and what is covered through the National Risk Protection Program.
Medicare is a Commonwealth Government program that provides eligible Australian residents with free or low-cost medical and hospital care.
The Personal Injury cover does include some non-Medicare medical expenses such as physiotherapy, chiropractic, dental, ambulance transport and private hospital accomodation.
Personal Injury cover under the National Risk Protection Program is not private health insurance or life insurance.
This means that any charges for treatment from a doctor, surgeon, anaesthetist or surgeon's assistant are not covered. It also means charges for x-ray, some MRI scans (if Medicare registered) and public hospitals are not covered under the National Risk Protection Program.
The type of protection covered under Personal Injury cover may include:
- Capital Benefits – provides cover in the event of death or permanent disability.
- Non-Medicare Medical Benefits – 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 cover – (where included) provides reimbursement of a claimant’s weekly income.
It is strongly recommended that all players investigate their personal insurance needs. Players should consider the benefits of:
- Private Health Insurance
- Life Insurance
- Ambulance Recommendations
If you need more information about the Personal Injury cover, please contact JLT Risk Solutions Pty Ltd.
Forms and Documents
General
- Match Day Checklist
- Match Day Checklist Case Study
- Medicare Vs Risk Protection
- Private Health Insurance Audit
- Program Summary
- Risk Management Health Check
- Non Regular Event Application Form
Public and Products Liability
Personal Accident
- Optional Upgrade Form
- AHI Excess of Loss Policy Wording
- Member PDS & Scheme Rules
- Personal Accident Claim Form
- Nab Auskick, Nines PA Policy Wording
- NRPP Platinum Flyer
- NRPP Gold Flyer
- NRPP Silver Flyer
- NRPP Bronze Flyer
Asset Protect
Corporate Travel
Management Liability
The Discretionary Trust Arrangement is not an insurance product, because one element of the Arrangement involves the Trustee’s absolute discretion whether or not to pay a Claim and how much to pay. The Discretionary Trust Arrangement is a Managed Investment Scheme made up of two parts: The Scheme Cover and The Insurance Cover.
The Discretionary Trust Arrangement was established to help manage the Members’ risk of personal injury. For more information please read the Australian Football National Risk Protection Program Discretionary Trust Arrangement Product Disclosure Statement.
The Asset Protect and Personal Injury covers are each provided through a Discretionary Trust Arrangement. Each Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). Any advice or dealing in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). The cover provided by the Discretionary Trust Arrangements is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.
Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“Marsh”) arranges and provides any advice in relation to general insurance products (i.e. not the Discretionary Trust Arrangement) and is not the insurer.
Marsh, JGS and JLT are part of the Marsh McLennan group of companies and remunerated for the services they provide including though commission from insurers and/or fees charged to product holders. Ask us for more details before we provide you with any services (you can contact us on +61 2 8864 8888).
This page contains general information and does not take into account your individual objectives, financial situation or needs. You should consider these and the product terms before making a decision about a product. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements. These are available on request from Marsh (in respect to general insurance policies) and JLT (in respect to the Discretionary Trust Arrangements). The Target Market Determinations for the Discretionary Trust Arrangements are available at Target Market Determinations | Marsh.
LCPA 24/067