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 QLD Rugby League Insurance Program here.
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.
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.
Generally, no. Policies have a maximum 12 month period following an injury in which treatment needs to be undertaken in order for medical expenses to be covered. This means for expenses to be covered. This means one year from the date the injury occurred.
Generally, no. If your club or association is only involved in QLD Rugby League sanctioned activities you will not require any other liability insurance. Should your club or association operate a full time licenced club you may require additional liability insurance. If you are uncertain about your own situation, contact us and we will provide individual advice to you.
If your club or association hires out its club facilities to other bodies, there is a need for you to ensure that all parties using your fields or facilities have their own Public Liability Insurance. This can be confirmed by the other body supplying a Certificate of Currency as proof of its validity. The insurance program will protect you as the property owner but not for other activities at your facilities that are not organised by your club or association.
While more of a legal question than an insurance question, good risk management practices would certainly ensure that every member be advised about the benefits of your Personal Accident Insurance program. There have been cases where litigation has taken place claiming a breach of duty of care in not properly advising members. Some sporting organisations include appropriate wording in their registration forms to address this exposure.