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We understand that sports insurance can sometimes be confusing and raise a lot of questions. To help, we’ve answered some of your most commonly asked questions about the Australian Taekwondo Insurance Program here.

Does this insurance cover the Medicare gap? In other words, the difference between the cost of medical treatment and the Medicare rebate for physicians, surgeons and anaesthetists?

Unfortunately no, as government legislation does not allow it. By law, this policy can’t cover medical expenses that are covered by Medicare, including the gap between the expense and the Medicare rebate. However, if an injured Australian Taekwondo member is covered by private health insurance, the Personal Accident policy will pay the balance above the private health insurance refund on expenses not claimable.

This is subject to the percentage reimbursement, the limit per injury and the excess applicable.  

Should active Australian Taekwondo members also consider taking out additional personal coverage?

This program is not “comprehensive” and as such we encourage all participants to take out Private Health, Life and Income Protection Insurance according to their own individual needs and circumstances. It is an individual’s responsibility to ensure that they have adequate insurance cover for their own needs.

Are non-members covered? What about Australian Taekwondo members who are injured while participating in non-sanctioned events?

The short answer is no. Any participant in any event (including social events) who is not a registered player is not insured. In order to be covered, they must be a registered Australian Taekwondo member and the event must be sanctioned by Australian Taekwondo. If any Australian Taekwondo member participates in an event that is not sanctioned by Australian Taekwondo, or an affiliated state association or club, they will also not be covered. In that instance, members must check the insurance coverage offered by the event organiser.

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