Insurance
Coverage
Personal Accident Coverage – Death and
Permanent Disability
This section provides a lump sum benefit to insured’s that suffer permanent injury or death. The maximum claimable under this section is $75,000.00. Death cover is limited to $10,000.00 for under 18 year olds.
There is percentages payable for various levels of disability
for example;
Permanent Total Loss of Use of Hearing - One Ear $7,500 -
Both Ears $37,500
Loss of sight of one eye $12,500
A full list of the percentages is contained in the policy
wording included.
Personal
Accident Coverage – Medical Coverage
This section provides 75% Reimbursement of any Non-Medicare expenses up to a maximum limit of $5,000.00 per injury. There is a $50.00 excess applicable to each claim lodged with the underwriter. Coverage is for any Non Medicare expenses incurred within 12 months from the date of injury.
Non-Medicare expenses are those costs that are non-recoverable
(in any part) through Medicare. These expenses include dental, physiotherapy,
chiropractic, ambulance, private hospital accommodation and, private hospital
theatre fees.
The expenses not able to be claimed through this section
include;
a) The amount between the doctor’s fee and
the money you receive back from Medicare.
b) The amount between the Surgeons bill and the
money you receive back from Medicare
c) The amount between the Anaesthetists
bill and the money you receive back from Medicare
d) X-Ray costs.
ALL ACCOUNTS MUST BE PAID BY THE PLAYER BEFORE SUBMITTING
TO THE INSURANCE COMPANY.
PLEASE NOTE THAT ALL CLAIMS UNDER THIS SECTION MUST
INCLUDE A DOCTORS REFERRAL FOR THE SERVICE BEING CLAIMED.
NB: ALL CLAIM FORMS MUST BE RECEIVED BY THE INSURER
WITHIN THIRTY (30) DAYS OF THE INJURY OCCURRING. ACCOUNTS AND REBATE STATEMENTS
MAY BE SENT AT A LATER DATE.
Personal
Accident Coverage Loss Of Income
This section provides an income replacement to insured’s who suffer an injury and are temporarily totally disabled from performing their usual occupation. The benefit is 75% of your usual weekly salary or $250.00 per week whichever is the lessor. There is an excess period of 10 days on the Hockey NSW policy. The benefit is claimable for 52 weeks from the date of injury.
To make a claim under this section the player must;
a) Provide a Doctor’s Certificate for the
period off work.
b) Provide a letter from the claimants employer
detailing usual gross wage, time expected off work, and whether the claimant is
receiving sick or holiday pay.
c) Have the Attending Physicians Statement
completed and forwarded to the insurance company.
If a claimant is self-employed, these questions must be
completed on a statutory declaration.
INJURY ASSISTANCE BENEFIT
The insurer will reimburse 75% of non medical expenses directly
relating to the injury to a maximum of $5,000. There is an excess period of 10
days and the benefit is payable for 52 weeks. Expenses claimable under this
section include Home Tutor, writer, home help, transport to hospital, etc.
NB: ALL PRE-EXISTING CONDITIONS ARE EXCLUDED BY THIS
POLICY
Your Association, Clubs and its members are insured for any claims arising from negligence in respect of bodily injury or property damage that happen during the period of insurance and caused by an occurrence in connection with your sport.
The coverage provided is for $10,000,000 any one occurrence with
a $1,000 excess on each and every claim. Coverage extends to include;
Cover for this section is worldwide excluding the
A full list of the policy exclusions is contained in the
attached wording.
NB: ASSOCIATIONS AND
CLUBS ARE NOT REQUIRED TO PURCHASE SEPARATE LIABILITY COVER.
ERRORS AND OMMISSIONS COVERAGE
All Association and club members, directors, officials,
judiciary members, accredited coaches, and office bearers are insured for
claims arising from breach of professional duty arising from negligent acts,
errors or omissions in connection with the sport.
The coverage provided is for $5,000,000 in the aggregate. The
excess applicable is $1,000.
Coverage for this section is worldwide excluding the
NB: All claims under this section of the policy must be
notified to the insurer during the period of insurance.
Directors
and Officials Liability Cover
This is a new benefit which has been negotiated for all Associations and Clubs commencing for 2005.
This cover is provided to all hockey Clubs and/or Associations
who meet the following criteria:
a) Must be affiliated with Hockey NSW
b) Must be an Incorporated body and registered
through Department Fair Trading of NSW or a Company Incorporated under thw Corporations Law and Registered with the Australian
Securities and Investment Commission.
This insurance policy provides cover to Club/Association
directors, committee members and employees, for any wrongful act committed in
their capacity as an official of the Club/Association. This cover is in
addition to the existing Public Liability insurance which is limited to
negligence resulting on property damage or bodily injury.
The policy provides a Sum Insured of $2,000,000 with a nil
excess on claims.
Arranging/Administering
Insurance Cover
Your Association and member Clubs insurance
coverage has been negotiated and arranged through Hockey NSW Ltd. Coverage is
for the period
NB: Claims will not be honoured
unless the claimant was a registered and financial member of your association
prior to any injury. Should a player be injured during pre-season training,
claims will only be accepted if the player is subsequently fully registered.