PERSONAL INJURY COVER FOR FOOTY PLAYERS AND CLUBS

Players who are registered with their local club can access a range of personal injury benefits. The amount covered depends on the level of insurance taken out by the club. The table below shows the usual automatic, or lowest level, of cover is bronze. An important exception to this, which includes all teams in SW region, is teams affiliated with AFL Victoria Country have silver as their lowest level of cover. This is good news for local teams in our area. Ask your club secretary if you want to know what level your local club is covered for.

BENEFITS
Personal injury insurance can help reimburse expenses relating to medical bills not covered by Medicare), or provide larger lump sum amounts in the event of permanent disablement, incurable quadriplegia or paraplegia and even death. Expenses typically covered include physio, chiro, dental, ambulance transport and private hospital accommodation. Expenses generally not covered included doctor, surgeon and anesthetist fees, x-rays, public hospital costs and MRI costs. This list of what’s not covered is an important reason to make sure players also have private health insurance.

LOSS OF INCOME
Loss of income cover is also available as separate cover, but this is usually at the expense of the individual player. This benefit provides 80% of a players weekly income to a maximum of $2,000 a week, for a maximum of 52 weeks. Depending on the level of cover taken out you must be off work for a minimum of 14 or 49 days before you can claim. By comparison income protection provides a more flexible type of cover with a greater benefit for a longer period of time. For more information visit https://www.jltsport.com.au/ or have a talk to us at Ambleside. JLT Sport also provides cover to Golf Australia, Cricket Australia, Surf Life Saving Australia  & Australian Trainers’ Association.

Also check out last months article here that looks at income protection compared to TAC and WorkCover.