Indoor Sports Insurance Program

Victoria & Queensland Centres

The Indoor Sports Centre Program is designed to help save centres in Queensland and Victoria time, effort and money and provide enhanced cover and services to the indoor sports centre community.

Program Coverage

Public Liability Insurance

Can help cover clubs if a third party claims they have suffered a serious injury or their property has been damaged due to the clubs 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.

Indoor Sports Insurance Program

What's Covered

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

  • $20,000,000 cover limit
  • $500 excess      

Errors & Omissions

  • $2,000,000 cover limit
  • $500 excess

Who's Covered?

Players, umpires and volunteers

 

Insurer/Issuer

Lloyds of London through Sportscover Australia P/L

Non-Medicare Medical Benefits

  • 75% reimbursement
  • $2,500 maximum per claim (QLD)
  • $1,000 maximum per claim (VIC)
  • $50 Excess per claim

Capital Benefits

  • $100,000 maximum
  • $250,000 maximum (Quadriplegia/Paraplegia)

365 day coverage

with an annual renewal date of: 

  • 1 November for Queensland
  • 11 March for Victoria

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.

Additional Cover Options

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)

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

Currently only Indoor sports centres in Queensland and Victoria are covered by the program. If you are located in another state and require cover, please contact us.

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. MAI makes no assurances regarding the availability, cost, or terms of insurance coverage.  

 

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LCPA