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 Ice Hockey Australia National Insurance Program here.
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 Ice Hockey Australia player and the event must be sanctioned by Ice Hockey Australia. If any Ice Hockey Australia member participates in an event that is not sanctioned by Ice Hockey Australia, 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.
Players are encouraged to settle their account directly with the transport provider before seeking reimbursement through the Personal Accident policy. This will ensure that the player does not incur any penalty charges.
However, the insurer can pay the emergency transport provider directly in some circumstances if private/public insurance exists. Once the player has claimed transports costs via private / public insurance, the benefit statement and emergency transport invoice can be lodged with the Personal Accident claim. The insurer will settle the gap directly with the transport provider.
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 Ice Hockey Australia 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.
Once the initial paperwork has been received and processed and the benefit has been deemed as available to your situation, we will request that you provide a doctors certificate. This should outline the dates that you are unable to work and the condition from which you currently suffer. This certificate must not be longer than four weeks away from work and must be provided every four weeks.