National Risk Protection Program

AFL Umpires

Learn more about the insurance cover available to Volunteer Club Umpires & League Appointed Umpires through the National Risk Protection Program.

National Risk Protection Program

What's Covered

Bronze Level Cover

All umpires registered with an affiliated AFL Club enjoy the benefits of Personal Injury cover.

Non-Medicare Medical Benefits

  •  50% reimbursement cover for items that are not claimable in any way through Medicare.
  •  Maximum payout of $2,000 per claim.
  •  Includes a $100 excess per claim.

Capital Benefits (Death & Permanent Disablement)*

Provides cover for up to $100,000 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.

Upgrade your Personal Injury Cover

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Silver Level Cover

  • done

    Non-Medicare Medical Costs*

    75% Reimbursement

    $2,500 max. per claim

    $75 excess per claim

  • done

    Capital Benefits

    $150,000** maximum

  • done

    Quadriplegia / Paraplegia Benefit

    $1,000,000 maximum

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Gold Level Cover

  • done

    Non-Medicare Medical Costs*

    90% Reimbursement

    $3,500 max. per claim

    $50 excess per claim

  • done

    Capital Benefits

    $200,000** maximum

  • done

    Quadriplegia / Paraplegia Benefit

    $1,000,000 maximum

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Platinum Level Cover

  • done

    Non-Medicare Medical Costs*

    90% Reimbursement

    $7,500 max. per claim

    $50 excess per claim

  • done

    Capital Benefits

    $250,000** maximum

  • done

    Quadriplegia / Paraplegia Benefit

    $1,000,000 maximum

Need to make a claim?

Sometimes accidents happen and we're here to help.

Depending on when the accident occurred and the policy 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 Personal Injury insurance policy. Personal Injury insurance, also known as personal accident insurance, is designed to offer some peace of mind to members, participants and volunteers of an organisation by having protection for certain costs related to an injury sustained whilst involved in an Insured’s 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 insurance 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

  • Umpire 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

  • 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.

Please refer to your Program Summary for full benefit details and limits.

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.

Whereas Personal Injury insurance is a policy for injuries occurring due to an accident and includes cover for non-Medicare medical expenses, such as physiotherapy, chiropractic, dental, ambulance transport and private hospital accommodation. Personal Accident cover is not private health insurance or life insurance.

The Health Insurance Act 1973 (Cth) strictly prohibits any general insurer from insuring any item that is listed on the Medicare Benefits Schedule.

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

Still have questions?

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

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“MAI”) arranges the general insurance (i.e. not the Discretionary Trust Arrangement) and is not the insurer.

This page contains general information and does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from MAI on request. MAI makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors.

The 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”). JGS and JLT are businesses of Marsh McLennan. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.