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INSURANCE COVERAGE - DETAILED INFORMATION
In the interest of our members we have put together a Sport Accident Support
Program and Liability Insurance Scheme specifically tailored to meet the
requirements of our sport.
The Northern NSW Football Program is designed to assist those who would
otherwise not receive assistance after injury or accident. To make the program
as fair and as wide reaching as possible, benefits are provided for those most
exposed to injury. To keep the cost of membership as low as possible, while
maintaining a wide reaching cover, not all situations can be covered.
Loss of income cover is only applicable to certain registration categories. For
verification players need their club to contact Northern NSW Football.
Your Accident Support Program protects you whilst participating in sanctioned
trialing, training and playing throughout the normal course of preparations and
major competitions under the control of Northern NSW Football.
Exclusions (unless permission is specifically granted by Northern NSW Football)
include:
- Indoor Football - Professional Training Camps and Clinics - Competitions
conducted outside Northern NSW Football's normal season.
If in doubt about your situation, do not go ahead until you have contacted
Northern NSW Football.
We recommend that you have your own private medical and health insurance cover
over and above this insurance scheme. There are many packages available for
your, active people.
Members should also be aware that the loss of income component of this program,
due to the cost constraints is limited to $300 per week. Additional cover is
available from BJS Insurance Brokers or through your own contacts.
Accident Support - Income Benefits
Accident Support cover offers protection should you receive an injury whilst
engaged in officially sanctioned activities.
The following is a list of benefits in general terms. A full description of
cover is included in the final section of this booklet.
1. Income Protection (Not available for Futsal Insurance)
Loss of income cover is only applicable to certain registrations being the
Senior Category
- however it is provided as an optional add on cover for the Junior
Registration Category. For specific detail on Income Protection insurance
please consult the Policy Disclosure Statement for limitation of coverage or
club secretary for further information.
2. Optional Increased Income Protection
Is available only on a team basis please refer to Policy Disclosure Statement
www.northernnswfootball.com.au
3. Student Expenses
Available to full time students. Additional tutorial costs incurred as a result
of injury may be claimed. These benefits are:
- Limited to $200 weekly or 75%, whichever is the lesser; - Payable up to 52
weeks for any accident, excluding the first 7 days
4. Home Help Expenses
Should domestic help be necessary following an accident or injury, this cover
provides reimbursement. It is available to those who are totally disabled who
normally attend to domestic duties. Payments are to be made to a registered
agency.
These benefits are:
- Limited to $200 weekly or 75%, whichever is the lesser; - Payable up to 52
weeks for any accident, excluding the first 7 days
5. Parent Inconvenience Allowance
If a full time student under 18 years of age is hospitalised following an
accident, then their parent or guardian can claim benefits under this section
to offset costs incurred as a result.
These benefits are:
- Limited to $200 weekly or 75%, whichever is the lesser; - Payable up to 52
weeks for any accident, excluding the first 7 days
Exclusions
Please note that under the Scheme, cover is not provided for the following:
- Any injury, medical condition, infirmity or weakness that was evident prior
to the commencement of this policy; - Illness; - Any condition that is caused
by repetitive movements or actions of the sport.
A full list of exclusions is included in the Policy Wording.
Accident Support V Death and Disablement
In most sports the risk of serious injury is unfortunately a possibility,
thankfully a rare one. The Scheme covers members in the case of permanent
disability or death.
There are numerous benefits that are payable which are listed in the Policy
Wording under the section headed Compensation Table Capital Benefits. Following
are some examples:
Permanent Total Disablement 100% of Capital Benefit
Permanent Paraplegia 100% of Capital Benefit
Loss of Sight - 1 or 2 eyes 100% of Capital Benefit
Loss of Hearing - 2 ears 100% of Capital Benefit
Loss of Hearing - 1 ear 50% of Capital Benefit
Accidental Death 100% of Capital Benefit
(limited to $10,000 for insured persons without dependent children
CAPITAL BENEFIT $50,000
***PLEASE NOTE, DISABLEMENT RESULTING FROM A PRE-EXISTING CONDITION IS
NOT COVERED***
Medical Expenses
Due to Federal Government legislation, we are unable to cover ANY part of a
Medicare item. That is, any Doctor, Surgeon, Anaesthetist, X-Ray or Pathology.
Accordingly, the Scheme has been set up to provide cover in relation to the
most common Non-Medicare medical expenses.
The ONLY claimable medical expenses are:
- Ambulance - Dental -
Physiotherapy/Chiropractic/Osteopathy/Naturopathy/Massage/Acupuncture -
following referral from a Doctor - subject to a maximum benefit of $300 for
pre-operative care - Private Hospital; from Accommodation, Theatre Fees and
Prosthesis - Orthotics prescribed by a surgeon, following surgery. - The policy
reimburses up to 75% of these costs; - A maximum of $5,000 is payable for any
injury; or $2,000 for Futsal - Players who have private health insurance must
claim from their health fund first, before claiming through QBE Insurance. - An
excess of $50 applies to all players who do not have private health insurance.
- Any costs incurred after 1 year from date of injury are not covered.
Please be aware that an MRI or scan of any type is not covered by this
insurance, whether it can be claimed in part from Medicare or not.
Public Liability
Public Liability covers your club and its members in the event of a claim for
personal injury or property damage made by members of the public. Insurance is
limited to $25,000,000 for any claim.
Public Liability covers claims made against the Insured worldwide. The
following is a list of the cover of this insurance:
- Liability for bodily injury to members of the public; - Liability for
property damage; - Legal costs and expenses; - Member to member, excluding the
event of deliberate violence; - Coaches, referees and trainers; - Goods and
products sold; - Cross Liability; - Tenants Liability up to $25,000,000 is
provided. A Certificate of Currency is available upon request if required by
your local council. - Car Parks; - Lease Liabilities.
Property damage claims are subject to a $1,000 policy excess.
Exclusions
Please note that certain exclusions are made from the Public Liability cover. A
full list of exclusions, conditions are definitions can be found in the
Liability Policy Wording section of the Policy Disclosure Document found above.
The following are important exclusions of which to be aware:
- Employers Liability; - Contractual Liability; - Directors and Officers
Liability.
Professional Indemnity
Anyone who gives to another person advice and/or services of a skilful character
according to an established discipline might be regarded as a professional.
The law requires a professional to exercise their skill at an appropriate level
expected of that profession. But professionals are only human and mistakes do
happen. Any financial loss arising from a mistake or failure by that
professional to do so, may result in an award in favour of a third party. A
professional may also be held to be liable for a mistake even though there was
no negligence (i.e. breach of the Trade Practices Act).
A Professional Indemnity policy is designed to protect the personal assets of a
professional against damages awarded against them by a court, or resulting from
an approved negotiated settlement, in relation to an act, error or omission
committed by the professional during the conduct of their professional business
activities.
Northern NSW Football policy covers all registered coaches, referees and
trainers to a limit of $10,000,000.
Directors & Officers Liability
Decisions made by individual office bearers and directors may incur liabilities
as they could be held responsible at law.
Directors and Officers Insurance is designed to protect the personal assets of
Directors and Officers of an incorporate entity, providing indemnity for loss
arising from a claim as a result of a wrongful act, whilst carrying our their
duties and responsibilities as a director or officer.
This insurance policy is compulsory for qualifying entities to qualify the
following criteria must be met:
- Entity must be incorporated. Must be solely a Football Club, Zone or State
Governing Body. - Multiple Sporting entity such as Sports Unions, Schools,
Sports Clubs and Registered Clubs are Excluded from policy. - Must be
affiliated to Northern NSW Football through Zones Structure
Premiums are paid separately to Sports Accident Program on an annual basis with
policy limit to $2,000,000. An excess applies for more information contact
Northern NSW Football.
Workers Compensation
Any employer is required by law to have an insurance policy to cover employees
in the event of injury.
Northern NSW Football through its membership of the NSW Sporting Injuries
Scheme is entitled to exemption from the compulsory provisions of the Workers
Compensation Act 1987 as a sporting organisation.
A player or official (coach/referee) is deemed to be a worker under the Act if
the remuneration is $10.00 (per week) or more.
Special Competitions
All competitions (six-a-side etc) played outside the regular football season
are classified as Special Competitions and are subject to further insurance
premiums as determined annually by Northern NSW Football. Clubs seeking to
conduct such competitions should contact their Zone for further information.
Approval must be granted by Northern NSW Football and Zone prior to the
commencement of the competition.
Coaching Clinics
Clubs seeking to conduct coaching clinics during the season MUST seek
permission from their Zone and may be subject to further insurance premiums.
Private operators conducting coaching clinics ARE NOT covered under the
Federations insurance policy for injury or public liability. Clubs seeking to
conduct coaching clinics with private operators MUST request proof of public
liability insurance and ABN number.