National Club Risk Protection Program

Players & Volunteers

Learn more about the Personal Injury cover available to players & volunteers, handy instructions on how to make a claim & much more.

Download Personal Injury Policy Schedule

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

  • 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)

National Insurance Program

What's Covered

Who's Covered?

Members of the Australian Cricket Discretionary Trust including players, umpires, volunteers etc.


Australian Cricket Discretionary Trust Arrangement

Non-Medicare Medical Benefits

  • 85% reimbursement cover
  • Maximum of $5,000 per claim (up to $10,000 for dental claims only)
  • $50 excess per claim

Capital Benefits

  • Provides cover for up to $100,000 in the event of death or permanent disability. 

Quadriplegia/ Paraplegia Benefit

  • Provides cover up to $250,000 in the event of permanent and incurable quadriplegia or paraplegia.

Loss of Income

  • Up to $500 maximum per week
  • 14 day elimination period*

*The excess period applicable is 14 days, unless your sick leave balance exceeds this, in which case your sick leave balance becomes your excess period.

365 day coverage

with an annual renewal date of 30 June

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. 

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.

Three key points about Personal Injury insurance

  1. Personal Injury cover can pay for Non–Medicare medical expenses
    ‘Non-Medicare’ means medical costs that can’t be claimed through Medicare.Items include physio, chiro, dental, ambulance transport and private hospital accommodation.
  2. Personal Injury cover is not Private Health Insurance
    It is law that Medicare items can’t be claimed on Personal Injury cover. These items can be claimed on Private Health insurance and include services such as doctors and surgeons.
  3. Personal Injury cover is not intended to be Life Insurance
    Personal Injury cover is a policy for injuries occurring due to an accident. It is not a sickness or illness policy.

When it comes to reimbursement of personal injury claims, some people get confused about Medicare and what is covered through the National Club 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 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 Club 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

Discretionary Trust Information

The Discretionary Trust Arrangement is not insurance 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 Cricket Discretionary Trust Arrangement Product Disclosure Statement.

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.