Skip to main content

National Insurance Program

Accredited coaches

Learn more about the insurance cover available for accredited swimming coaches through the Swimming Australia National Insurance Program.

Program coverage

The National Insurance Program arranged by Marsh includes cover for Swimming Australia accredited coaches whilst coaching swimming activities within their scope of practice. This is, dictated by their level of accreditation during either swim club activities made up predominantly of Swimming Australia members or coaching for a club affiliated with a Swimming Australia state or territory swimming association.

Public and product liability insurance

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

Professional indemnity insurance

This insursnce can help protect a coach against allegations from a third party of incorrect advice, breach of professional duty or negligence.

Personal injury insurance

This insurance is designed to offer some peace of mind to coaches by having protection costs related to an injury sustained whilst coaching.

National insurance program

What's covered
slected option

Scope of cover

This policy provides protection for Swimming Australia accredited coaches who are held liable for a negligent act that results in property damage or bodily injury anywhere in the world.

Limit of liability

The cover provided is up to a maximum of $20,000,000, with some limitations when working in USA and Canada (please refer to policy).


There is an excess of $1,000 payable for each and every claim.

Scope of cover

Provides indemnity to Swimming Australia accredited coaches arising out of any negligence, whether by act, error or omission by the Insured in connection with coaching activities.

Limit of liability

  • The cover provided is up to a maximum of $10,000,000 and in the aggregate.


There is an excess of $1,000 for each and every claim, with some limitations when working in USA and Canada (please refer to policy).

Scope of cover

Swimming Australia accredited coaches are covered for injuries sustained whilst coaching. This policy covers coaches wherever they are working worldwide.

Non-Medicare Medical Benefits

Reimbursement up to 100% of non-Medicare medical costs, up to a maximum of $5,000 per injury.  

Excess: Nil

Death and permanent injuries

 The maximum benefit payable is $150,000.

Loss of income

80% of your income up to a maximum of $600 per week, whichever is the lesser. 

Excess: There is no benefit claimable for the first 7 days that you are away from work as a result of injury.

Medicare vs National Insurance Program

When it comes to reimbursement of Personal Injury claims, it is important to understand Medicare, the Medicare Gap and what is covered through the National Risk Protection Program.

Medicare is a Commonwealth Government program 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 visiting Medicare’s website. Items commonly used by sports participants that are Medicare listed can include general practitioners, surgeons and 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 what is charged and the MBS rebate is called the “Medicare Gap”

  1. The doctor charges $45
  2. Medicare provides a rebate of $15.35
  3. Medicare Gap = $29.65 (out-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.

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

In the example above, 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

Generally the following expenses are not covered under the personal injury policy:

  • Doctor’s fees
  • Surgeon’s fees
  • Anaesthetist's fees
  • X-rays
  • Public hospital costs
  • MRI scans

You also cannot make 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 (ie cancer, heart condition)

Please be aware that the insurance arranged by Marsh on behalf of Swimming Australia does not necessarily cover all of the risks and exposures for an individual coach. Some additional insurance policies you may need to consider include:

  • Property (fire and perils, burglary etc.)
  • General property/portable equipment (used when coaching or in transit)
  • Motor vehicle insurance
  •  Workers compensation

Please note that if you employ staff or coach activities outside your Swimming Australia accredited coach scope of practice as dictated by your level of accreditation, the policy may not provide cover. Staff and volunteers engaged by coaches must fulfil the state/territory obligations relating to Working with Children Checks.

Please contact Marsh if you have any questions relating to this or would like advice on the insurance listed above.

No – insurance cover provided to coaches under the Swimming Australia insurance program is for approved affiliated club activities only.

Any coaching you do outside of the affiliated club environment may need additional insurance coverage, please refer to the relevant policy schedule and wording for more information. Contact Marsh on 1300 130 373 or

Still have questions?

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

LCPA 22/059

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.  


© 2022 Marsh Advantage Insurance Pty Ltd. All rights reserved.