National Risk Protection Program

Gymnastics Clubs

As the appointed insurance broker for Gymnastics Australia, Marsh has developed a National Risk Protection Program (NRPP) to protect affiliated clubs across the Gymnastics Australia community. 

Program Coverage

Public Liability Insurance

This insurance can help protects your club against the financial risk of being found liable to a third party for death or injury, loss of or damage to property or ‘pure economic’ loss resulting from your club’s negligence.

Management Liability Insurance

This insurance can help cover a range of financial risks for your club’s directors and officers and can cover some of the costs associated with an employee stealing funds from the club.

Personal Injury Insurance

This insurance is designed to can offer some peace of mind to members, participants, volunteers etc. of your club by having protection costs related to an injury sustained whilst involved in a swim club activity.

National Insurance Program

What's Covered

Please refer to the appropriate policy wording to find out detailed policy terms, benefits, conditions and exclusions.

Who's Covered?

Gymnastics Australia and all State and Territory Associations. All registered and affiliated coaches participating in sanctioned club events and activities.



Sportscover Australia and Liberty International Underwriters

Public Liability

  •  $20,000,000 cover limit on any one occurrence
  • $1,000 excess

Products Liability

  • $20,000,000 cover limit any one occurrence and in the annual aggregate
  • $1,000 excess

Professional Indemnity

  • $10,000,000  limit any one claim and in the aggregate any one policy year
  • $1,000 excess

Please refer to the appropriate policy wording to find out detailed policy terms, benefits, conditions and exclusions.

Who's Covered?

Gymnastics Australia and all state and territory associations, all registered and affiliated clubs



Sportscover Australia

Directors and Officers

  • $10,000,000 limit any one claim and in the aggregate 
  • $10,000 excess 

Employment Practices Liability

  • $250,000 limit any one claim and in the aggregate 
  • $10,000 excess

Statutory Liability

  • $250,000 limit any one claim and in the aggregate 
  • $10,000 excess


  • $500,000 limit any one claim and in the aggregate 
  • $10,000 excess

Please refer to the appropriate policy wording to find out detailed policy terms, benefits, conditions and exclusions.

Who's Covered?

Registered members of clubs affiliated directly or indirectly with Gymnastics Australia, non-participating officials including coaches (technical members), judges, voluntary workers, prospective members for up to four weeks after initial approach, guest gymnasts, kinder gym participants & carers.



Sportscover Australia

Non-Medicare Medical Benefits

  • 75% reimbursement up to a maximum of $5,000
  • $50 excess

Capital Benefits (Death & Permanent Disablement)

  • $100,0000 maximum
  • $20,000 limit if under 18 years of age
  • $20,000 limit if between age of 65-85 years
  • $250,000 limit for quadraplegia/paraplegia

Physiotherapy Benefits

  • 95% reimbursement (1-5 visits)
  • 80% reimbursement (6-10 visits)
  • 75% all subsequent visits
  • $5,000 maximum per claim
  • $50 excess

Loss of Income

  • 75% salary up to $300 per week
  • 14 day excess period
  • 52 week benefit period

Medicare vs Risk Protection

When it comes to reimbursement of Personal Injury claims, some people get confused about Medicare, the Medicare Gap and what is covered through the National Risk Protection Program.

Medicare is a Commonwealth Government programme that provides eligible Australian residents with free or low-cost medical and hospital care.

Medicare provides access to:

  • Free treatment as public (Medicare) patient in public hospital
  • Free or subsidised treatment by practitioners such as Doctors or specialists.

The medical benefits schedule (MBS) lists all treatments and Associated MBR relating to Medicare.

You can access the MBS at any time by Medicare’s website. Items commonly used by sports participants that are Medicare listed can include General Practitioners, surgeons and an anaesthetists.

The MBS lists a rebate amount for each Medicare Item.


Example: A short consultation with a Doctor = Medicare rebate of $15.36

However, doctors or specialists may charge more than the listed MBS amount.

The difference between was is charged and the MBS rebate is call the “Medicare Gap”

  1. The Doctor charges $45
  2. Medicare provides a rebate of $15.35
  3. Medicare Gap = $29.65 (our of pocket expense).

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

This also means that regardless of your out of pocket expenses, it is against the law for the insurer to cover the Medicare Gap.

So what does that mean?

If your medical or other treatment has a Medicare Item number, such as the doctor fee above, it is claimable on Medicare by is uninsurable and you may not claim for reimbursement.

In the example you cannot claim the $29.65.

If your medical or other treatment does not have a Medicare Item Number, you may claim for reimbursement through Marsh . For specific insurance and Risk Protection information please visit the making a claim section of this website.


Asset Protect Insurance

A tailored Business Package Insurance solution to help protect your clubs assets from fire, theft, damage and more.

This insurance can help protect your club from:

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    Damage for contents and/or building

    (e.g. Fire or storm damage)

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    Burglary / Theft

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    Business interruption

    (e.g. Loss of gross profits)

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    (e.g. Canteen takings stolen)

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    General property

    (e.g. Property in transit)

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    (e.g. Broken window)

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    Machinery breakdown

    (e.g. Canteen fridge)

cyber shield icon

Cyber Insurance

A sporting club specific insurance solution that can help you prevent, detect and respond to cyber risks.

This insurance can help protect your club from:

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    Ransomware and extortion

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    unintended and accidental disclosure

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    loss of confidential data

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

Your affiliation with your State or Territory Gymnastics Association provides you with the option to include cover for Personal Accident, Public Liability, Professional Indemnity and Management Liability under the NRPP. 

No, you will be issued with a claim number shortly after the claim has been lodged. This claim number can then be used on any further documentation that needs to be submitted to Sportscover in order to support your claim.

A $50 excess is applicable for each and every non-Medicare medical treatment or emergency transport claim in accordance with the policy terms and conditions.

There is a fourteen day waiting period on all loss of income claims in accordance with the policy terms and conditions.

The policy provides cover for emergency ambulance transport only, up to $1,000 for any one event with a $50 excess.

Yes, the two policies will work together. You need to lodge a claim with your private health insurer first, then submit your claim via Sportscover. Costs that exceed your private health cover may be insured via the Gymnastics Australia policy. We suggest you contact Sportscover on 1300 134 956 for further details.

The Club must keep all potential claim/injury information on file for at least 7 years after the gymnast has turned 18 years old.

Yes, they are covered under the National Risk Protection Program as long as:

They work directly (shadowing) a current Technical Member, the Technical Member is in charge of the class for the duration of the lesson, the Technical Member is present at all times during the lesson and the ratio of Technical Member to Trainee Coach does not exceed 1:1 during any lesson.

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

You can’t claim 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)

Subject to the policy limits and sub-limits you can make more than one claim during the policy period. It is important however, that you obtain a clearance from your treating physician prior to returning to train.

No, insurers are unable to pay claims already covered under Medicare, including the Medicare gap in accordance with the Health Insurance Act (Cth) 1973.

The skills matrix can be found on the Gymnastics Australia website here.

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) arranges the insurance 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 Marsh Advantage Insurance (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. 

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