National Insurance Program

National Rifle Association of Australia Ltd

Marsh has developed a National Insurance Program for National Rifle Association of Australia Ltd to protect affiliated clubs, members and volunteers across the shooting sports community. We’ve got you covered on every minute of every day of the year – on the range and in everyday life.

Program Coverage

Public Liability Insurance

Can help protect your club if a third party claims they have suffered personal injury or property due to the alleged negligence of the club.

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.

Professional Indemnity Insurance

Can help protect your club against allegations of a breach of professional duty arising from negligent acts, errors or omissions whilst engaged in organised club activities.

Personal Injury Insurance

This insurance is designed to help 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 shooting 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?

This insurance covers National Rifle Association of Australia Ltd and their affiliated Clubs, members, officials, voluntary workers, first aid persons and administration personnel.

Insurer/s

Sportscover Australia Pty Ltd

Public Liability

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

Product Liability

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

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

Who's Covered?

This insurance covers National Rifle Association of Australia Ltd and their affiliated Associations, Clubs, members, officials, voluntary workers, first aid persons and administration personnel.

 

Insurer/s

Sportscover Australia Pty Ltd

$10,000,000 limit

in the aggregate during the period of insurance

$1,000 Standard Excess

(Crime/Fidelity excess $1,000)

Annual Coverage

$10,000 Employment Practices Excess

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

Who's Covered?

This insurance covers National Rifle Association of Australia Ltd and their affiliated Clubs, members, officials, voluntary workers, first aid persons and administration personnel.

Insurer/s

Sportscover Australia Pty Ltd

$5,000,000 limit

in the aggregate during the period of insurance

$1,000 Excess

Who's Covered

This insurance covers National Rifle Association of Australia Ltd and their affiliated Clubs, members, officials, voluntary workers, first aid persons and administration personnel.

 

Insurer/s

Sportscover Australia Pty Ltd

Non-Medicare Medical Benefits

  • 85% reimbursement up to a maximum of $3,000
  • $50 Excess
  • 52 week benefit period

Capital Benefits (Death & Permanent Disablement)

  • $100,0000 maximum ($10,000 if under 18 years of age)

Loss of Income

  • Lessor of 85% nett income lost or $1,000 per week.
  • 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.

Cyber Insurance

An insurance solution that can help your sporting club prevent, detect and respond to cyber risks.

This insurance can help protect your club from ransomware and extortion, unintended and accidental disclosure, loss of confidential data.

This insurance can help protect your club from:

  • Ransomware and extortion
  • Unintended and accidental disclosure
  • 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

Yes, Club fundraising activities are automatically covered under the National Insurance Program. These automatic coverage inclusions would cover things such as Bunnings BBQ’s, Christmas parties or Come and Try days.

If however, your proposed activity involves any of the following please contact Marsh to ensure that cover can be confirmed with the insurer prior to the activity: 4WD rallies, jumping castles, water activities, aircraft, fireworks, livestock, rides of any kind, large crowds or events involving security personnel.

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.

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 training and/or competition.

Negligence is doing something without a reasonable amount of care, or failing to do something which might reasonably have been done to prevent the incident.

When you give your time and energy to a club, you want to make certain you’re not risking your personal or the organisation’s financial security. Therefore, a Management Liability insurance policy can help provide protection for you and the organisation in the event of legal action if sued for:

  • Negligence, libel, slander, defamation, discrimination, etc.
  • Employment related matters (unfair dismissal)
  • Club Management Liability can also cover some of the costs associated with an employee stealing funds from the club.

A Management Liability policy has important exclusions that you should be aware of including but not limited to:

  • Fraud – any claim in consequence of a deliberate fraudulent act
  • Insolvency – financial impairment of the insured organisation
  • Known dishonesty
  • Losses sustained from accounts at banks where only one signatory is required for transactions

Management Liability insurance is ONLY available to incorporated entities! If your club is not incorporated, individual committee members run the risk of exposing their home, car and financial assets.

Directors and Officers: Legal action is taken against the club for defamation of a club member. This came about as a result of information printed in the monthly club newsletter.

Employment Practices: Legal action is taken against the club for the unfair dismissal of a senior coach.

Employee Theft: The club treasurer has been stealing money from the accounts over a period of time and the club now needs to claim the losses.

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

You can’t claim if you …

  • Participate 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)

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

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.

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 National Rifle Association of Australia Ltd policy. We suggest you contact Sportscover on 1300 134 956 for further details.

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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