Insurance (W.R.F.L)
Non-Medicare Medical
:: What does this policy cover the club member for?
:: What does it not cover?
:: What are the limits?
:: When and where is the club member covered?
:: Policy Reference No: B0901LK0406981
What does this policy cover the club member for?
The area of cover is the most likely to be claimed on during the season. It is designed to reduce the medical costs of the players and the club.
This applies to all players participating at all levels being Under–18, under –16 and juniors (excluding AFL Auskick).
This reimburses treatment received that is not claimable in any way through Medicare.
This means treatment such as physiotherapy, chiropractic, dental, private hospital, ambulance, acupuncture, podiatry, osteopathy and use of rehabilitative equipment.
Please note that after $200 worth of treatment from one of the above providers a referral from a Doctor must be obtained.
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What does it not cover?
Due to requirements of The Health Act, it does not cover anything that can be claimed through Medicare. This means that any charges for treatment from a doctor, surgeon, anaesthetist or surgeon’s assistant are not covered. It also means charges for X-Ray, MRI Scans and Public Hospitals are not covered.
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What are the limits?
GOLD COVER
90% reimbursement of Non-Medicare medical expenses.
$3,500 maximum amount paid out by the policy per claim.
$100 excess per claim.
Other Benefits
Funeral expenses Up to $5000.
Student assistance benefit –100% of actual costs for members under 25 years as follows:
Weekly amount..................$200
Elimination period..............7 days
Benefit period....................52 weeks
Home help allowance 100% of actual costs as follows:
Weekly amount..................$200
Elimination period..............7 days
Benefit period....................52 weeks
Parents allowance for every day a child under 20 years spends in hospital as follows:
Daily allowance..................$50
Elimination period..............1 day
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When and where is the club member covered?
- Playing in club and representative games, competitions or performances organized by
The Insured; or
- Participating in training or practice sessions or official functions arranged by the
Insured; or
- Travelling to or from club and representative games, competitions or performances,
training or practice sessions or official functions arranged by The Insured; or
- Engaged in activities whilst staying away from your home during a tour for the
purposes of participating in representative matches; or
Engaged in organized social or administrative activities of The Insured.
What are the major exclusions on the policy?
The following exclusions are the most likely to affect the club:
- once the club member returns to playing/training your claim is closed;
- the club member has been under the influence of alcohol or a drug other than a drug
administered or prescribed by and taken in accordance with instructions from a
qualified medical practitioner;
- any criminal act committed or attempted (including criminal assault);
- participating in or training for any professional sport (professional footballer/coach
shall mean someone whose primary source of income is from playing/coaching football
as declared in your tax return);
- any sickness or pre-existing injury;
- pregnancy, childbirth or miscarriage or any complications
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