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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 Veteran Cycling Council National Insurance Program here.

Why am I not covered for the 'Medicare Gap'?

By law, this policy can’t cover medical expenses that are covered or partly-covered by Medicare. This includes the difference between the medical expense and the Medicare rebate – commonly known as the ‘Medicare Gap’. For more information about costs typically covered by Medicare and how this effects Personal Accident Insurance, visit the Make A Claim page.  

Why does my sports insurance policy differ so much from my friend's coverage? We seem to be covered for different things and different amounts.

Sports policies do vary in terms of terms, conditions and inclusions. One insurer’s policy will not necessarily cover the same things as another insurer. So an expense covered by one policy may not be covered by another policy. In addition, levels of policy benefits provided are flexible. Sporting organisations and individuals usually have the opportunity to select the amount of cover required, which in turn means adjustments in premiums.

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