AUSTRALIAN RUGBY UNION National Insurance Scheme. Presented by Gow-Gates Insurance Brokers. Important.
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National Insurance Scheme
Presented by Gow-Gates Insurance Brokers
Sports Injury – provides coverage for injuries incurred accidentally whilst playing, training, officiating and administering rugby
Section A: Death and Permanent Disability
Section B: Weekly Benefits (Loss of Income)
Section C: Non-Medicare Medical Expenses
This section provides a lump sum benefit to insured’s who suffer permanent injury or death
Maximum sum insured is $300,000
Death cover is limited to $100,000
Death cover is limited to $10,000 if under 18
There are percentages payable for various levels of disability
Section C – Non Medicare Medical Expenses
Limit $3,000, with a $250 excess
This section provides payment of 80% of non-Medicare medical expenses after any reimbursement from a health fund.
Non-Medicare medical expenses are those medical expenses that are not subject to any full or partial Medicare Rebate.
The ARU strongly recommend that separate Private Health Insurance be taken out.
The Australian Health Act prevents insurers (other than Private Health Insurers) to provide cover for any medical expense covered or partly covered by Medicare (Doctors and X-rays).
Limit of Liability $20,000,000
Certificates of Currency are available for all clubs.
- the interest of owners or licencees of grounds is automatically
included on the policy, the insurer will not note the interest of other
parties other than these.
Excludes claims arising from actual participation by a person in Rugby or training for Rugby where the injury or damage is caused or allegedly caused by another participant.
Limit of Liability $10,000,000
This section provides coverage for the Insured’s legal liability for breach of professional duty in sport by reason of an act, error or omission committed by or on behalf of the Insured.
This policy excludes claims arising from a Player against a Player, however, persons coaching, refereeing, officiating or supervising Rugby or training for Rugby are afforded cover under this section for actions taken against them by Players.