|Personal Accident Insurance is designed to offer cover to registered players and insured persons, by providing cover for certain costs related to an injury sustained while participating in football and other authorised activities sanctioned by Football NSW.
To ensure that the Personal Accident Insurance provides a sufficient level of benefits for insured persons, Football NSW, together with its broker, Gow-Gates Insurance Brokers, annually reviews the suitability of cover, subject to maintaining premiums at reasonable levels.
RETURN OF LOSS OF INCOME BENEFIT FOR SEASON 2022
Football NSW advises that the Loss of Income (LOI) Benefit that was previously available (pre-2021) under its Personal Accident Insurance to registered players aged 18 years and over, has returned as a policy benefit for Season 2022. The LOI Benefit replaces the Injury Inconvenience Benefit (IIB) that was in place in 2021 for players aged 18 years and over.
For all players aged under 18 years and other registered participants covered by the policy (e.g. club officials), the LOI Benefit remains unchanged and in place as a claimable benefit for Season 2022.
Note: The above is subject to Policy terms and conditions. Please read the PDS, Policy Schedule and wording for more information.
WHAT IS COVERED UNDER THE PERSONAL ACCIDENT INSURANCE?
For more detailed information, please refer to the Personal Accident Insurance Summary for 2022.
Please contact Gow-Gates or refer to the Policy Schedule for full benefit details and applicable limits.
Non-Medicare Medical Expenses
Medicare Items and the Medicare Gap
Participant v Participant Liability
In most cases, those injuries will be self-inflicted (such as pulling a hamstring while running for a ball) or they will be inflicted accidently by another participant when, for example, challenging for the ball.
In certain circumstances, an injured player may take the view that the injury was inflicted negligently or intentionally and seek to bring a personal injury claim against the offending player.
It is important to note that, in such cases, neither the Personal Accident Insurance nor the Public Liability Insurance will cover either the injured player or the offending player, be that for their legal costs or for any damages awarded against them.
How to Claim?
While the Football NSW Personal Accident Insurance provides basic levels of cover for participants, it is not all encompassing (this is necessary to keep the cost of insurance affordable for all participants) and does not seek to replace the need for private health cover and other insurances.
Football NSW strongly encourages all participants to assess their personal circumstances and decide if they should take out their own private health insurance, life insurance, trauma cover and/or income protection insurance over and above the coverage provided under this Program. Income protection insurance, in particular, may provide a greater level of cover and additional loss of income benefits than provided under the Football NSW Insurance Program in the event you are unable to work due to injury. This is particularly important for participants whose work involves manual labour and who may therefore be unable to work at all if injured.
General Advice Warning: The information contained herein is of a general nature only, it does not take into account your individual needs or financial situation. This document must be read in conjunction with the specific coverage details and documentation including the Policy Wording and/or Product Disclosure Statement. For copies of these documents, please refer to www.gowgatessport.com.au/football/nsw/.