Public Liability Insurance
Can help cover centres if a third party claims they have suffered a serious injury or their property has been damaged due to the centre's alleged negligent activities.
Personal Injury Insurance
This insurance is designed to offer some peace of mind to players at your centre by helping cover costs related to a personal injury sustained whilst participating in Insured’s activity.
Please refer to the policy wording to find out exactly who’s covered, detailed policy benefits and exclusions.
Who's Covered?
Queensland
Affiliated Queensland Cricket Centres participating in organised competitions, including most individuals.
Victoria
Affiliated Indoor Sports Victoria Centres participating in organised competitions, including most individuals.
Insurer/Issuer
Lloyds of London through Sportscover Australia P/L
General & Products Liability
Errors & Omissions
Refer to the policy wording to find out exactly who’s covered, detailed policy benefits and exclusions.
Who's Covered?
Players, umpires and volunteers
Insurer/Issuer
Lloyds of London through Sportscover Australia P/L
Non-Medicare Medical Benefit
Capital Benefits
365 day coverage
with an annual renewal date of:
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:
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”
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.
For full detailed policy benefits and exclusions, please refer to the policy wording below.
What's Included?
A business package insurance 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)
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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