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National Risk Protection Program


Learn more about the cover available for AFLW players through the National Risk Protection Program.

Program Summary

The National Risk Protection Program is made up of multiple protection products. Further information about the Program is available here:
Different types and levels of cover apply depending on your club, your playing level, the competition in which you participate and/or how you participate / your role.

National Risk Protection Program : What’s Covered

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Platinum Level Cover

All Participants of AFLW Elite Clubs throughout Australia are automatically afforded the Platinum level of cover.

Non-Medicare Medical Benefits

  • 90% reimbursement cover for items that are not claimable in any way through Medicare.
  • Maximum payout of $7500 per claim.
  • Includes a $50 excess per claim.

Capital Benefits (Death & Permanent Disablement)*

Provides cover for up to $1,000,000 in the event of death or permanent disability.

*Capital Benefits sum in the event of an under 18 death is restricted to 20% of the applicable maximum payout of each cover level.

Quadriplegia/ Paraplegia Benefit

Provides cover up to $1,000,000 in the event of permanent and incurable quadriplegia or paraplegia.

Loss of Income

  • 80% reimbursement of weekly income up to $2,000.
  • 14 day waiting period.

Need to make a claim?

Sometimes accidents happen and we're here to help.

Depending on when the accident occurred and the product you need to make a claim under, there are different procedures to follow. Head over to our claims page now to get started. 

Personal Injury Cover

Accidents. We never see them coming. But you can be better prepared with the right cover. Personal Injury cover is designed to offer some peace of mind to members, participants and volunteers of an organisation by having protection for non medicare medical costs related to an injury sustained whilst involved in a covered activity.

What's generally covered?

  • Physio
  • Chiro
  • Dental
  • Ambulance transport
  • Private hospital

What's generally NOT covered?

  • Doctor’s Fees
  • Surgeon’s Fees
  • Anaesthetist’s Fees
  • X-rays
  • Public hospital costs
  • MRI Scans

When does Personal Injury cover apply?

  •  An official match or training session
  •  Travelling to and from an official club activity
  •  Participation in an official club function
  •  Tours or representative matches

Your claim may be affected 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)

Frequently Asked Questions

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.

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. 

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.

Still have questions?

For general enquiries please contact us and one of our friendly team members will be in touch.

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.

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