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National Club Risk Protection Program

Members & Volunteers

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

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)

What's Covered
slected option

Personal Injury Insurance

All Affiliated Clubs and/or Affiliated members including, but not limited to: all registered participating members for participation in organised games, practice and training sessions, directors, officers, employees, staff, officials, office bearers, club directors, committee members, teachers, coaches, instructors, timekeepers, technical officers, facilities maintenance staff, all voluntary workers including co- opted volunteers, prospective members, guest swimmers, First Aid personnel of these bodies and clubs



Sportscover Australia

Non-Medicare Medical Benefits

50% reimbursement up to a maximum of $1,200


$25 Excess

Capital Benefits (Death & Permanent Disablement)

$50,0000 maximum

Loss of Income

75% of Net Income Lost

Maximum $210 per week for 52 weeks

7 day excess 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.

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.

Freestyle swimmer

Frequently Asked Questions

Yes they are, however the policy provides cover for ocean swims under certain conditions only. These are:

All activities must take place within 100m of the shore

Members must swim in a group of two or more

Ideally at a patrolled beach with a coach present, but it is understood this is not always possible so this will not affect the cover if not in place.

Yes they are, however the policy provides cover for participation in Open Water Events under certain conditions only. These are:

The event must be a MSA sanctioned event

All activities must take place within 2,500m of the shore

Qualified lifeguards must be on duty at all times whilst participants are swimming in the open water event; and

A safety boat must attend at all times whilst participants are swimming in the open water event

The above conditions must be met in order for the event to be covered by the National Insurance Program.

No, generally not. The Personal Accident policy can only cover medical costs where there is no Medicare rebate paid.


Legislation states that where a Medicare benefit is payable then no personal accident insurance is able to pay the gap. This means that if an injury requires surgery and the surgeon charges $5,000 and the Medicare rebate is $1,000, the remaining $4,000 that the insured is out of pocket is unable to be claimed under the Personal Accident policy.


Types of things that can be claimed under the policy are: physiotherapy, ambulance costs crutches, wheelchairs, private hospital excess payments among others.

  • 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)

Still have questions?

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

LCPA 22/072

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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