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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 Harness Racing NSW 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 Harness Racing NSW 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 through the Medicare system. This is subject to the percentage reimbursement, the limit per injury and the excess applicable.

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. 

Should active Harness Racing NSW 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.

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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