Frequently Asked Questions

GENERAL QUESTIONS

What is the period of cover for the National Program?
4 February 2008 at 4pm Local Standard Time to 31 December 2008 at 4pm Local Standard Time.

How do I join the Football Queensland Insurance Program?
Coverage is for all their affiliated associations, clubs, officials, coaches, voluntary workers and players of football Queensland.

If you are not affiliated and would like to get more information about affiliation please contact Football Queensland on Tel: +61 07 3420 5866 or visit www.footballqueensland.com.au

How do I pay for this insurance?
Marsh do not collect any insurance premiums directly from associations or clubs. Please refer to your local affiliated association or contact Football Queensland for payments arrangements.

How can we prove that we have Public Liability Insurance?
If you are asked to provide proof of insurance by anyone (e.g. local council or a property owner) you will require a Certificate of Currency. Certificates of Currency are available on this website by clicking here.

Is the association/club covered for any fundraising events that we may have throughout the season?
Some general fundraising activities on match days are automatically covered under the Insurance Program, however a fundraising form should be completed and submitted to Football Queensland in order for Football Queensland to risk manage your fundraising activities. Click here to obtain a Fundraising Form. If your proposed activity involves any of the following please contact Marsh on 1300 306 383 to ensure that cover can be confirmed with the insurer prior to the activity: 4WD rallies, jumping castles, water activities, aircraft, fireworks, livestock, rides of any kind, large crowds or events involving security personnel.

Further more please be reminded of the following Special Exclusion that applies under the Public Liability/Professional Indemnity Policy:

• Special Exclusions / Policy Conditions: For clubs, their players, coaches, officials and voluntary workers. Excluding liabilities arising out of the organisation of or participation in competition matches that are not sanctioned or under the auspices of Football Queensland or affiliated leagues participating in this programme.

Are external contractors working on our premises covered? No, external contractors should carry their own public liability insurance.

Can I make more than one claim during the season?
Yes, you can make more than one claim during the season. It is important however, that you obtain a clearance from your treating physician prior to returning to playing football.

Is buildings insurance (i.e. fire and theft) provided under the National Program?
No, your premises and its contents are not covered under this program for any material damage or theft. If you would like a quotation for this type of insurance please contact Marsh on 1300 306 383

What do I do if I have a complaint about the National Program?
Please address any complaints regarding the Football Queensland Insurance Program to Marsh via email or mail: GPO Box 1229L, Melbourne, Vic, 3000.

QUESTIONS RELATING SPECIFICALLY TO PERSONAL ACCIDENT INSURANCE

What constitutes an injury?
The policy covers bodily injury resulting from an accident. It does not cover sickness.

Where can I find a Personal Accident claim form?
For information on how to make a claim please visit How to make a claim

When must a claim be reported?
To ensure the claimant (registered member/official) is not prejudiced, any incident which may lead to a claim should be reported as soon as possible after the date of injury. Claim forms should be completed and sent with medical certificates within 30 days of injury date. Claim Forms and Attending Physicians Statements may be obtained from the Claims Department of Sportscover Australia - telephone 1300 134 956 or by visiting Claims for more information.

Do I need a claim number before submitting my claim?
No, you will be issued with a claim number shortly after the claim has been lodged. This claim number can then be used on any further documentation that needs to be submitted in order to support your claim.

What is the excess?
Non-Medicare medical expenses is subject to an excess of $50 each claim. The expenses covered are for 80% of the cost of non-Medicare medical expenses incurred, subject to a maximum limit of $2,000 for any one claim. Loss of income benefits are subject to a 14 day excess. This means that any loss of income during this period is not claimable.

Is the Medicare Gap claimable under the Personal Accident Policy?
No, the Health Insurance Act (Cth) 1973 does not permit the Trustee or Insurer to contribute to any charges covered by Medicare (including the Medicare Gap).

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, some MRI scans (if Medicare registered) and public hospitals are not covered. In addition, there will be no refund in respect of:

1. any expenses recoverable by You from any other insurance scheme or plan providing medical or similar coverage or from any other source except for the excess of the amount recoverable from such other policies/plans.
2. any expense to which the National Health Act (Cth) 1953 or any of the regulations made there under apply.

Is the cost of Ambulance Transport covered under the Program?
Yes, Ambulance transport is a non-Medicare medical expense and as such covered under the Personal Accident section of the Program. It is important to remember that the cost of ambulance transport is expensive and may exhaust your total benefits, therefore not allowing you to claim any further non-Medicare medical treatment. We encourage all participants to become members of their State Ambulance Service to ensure 100% coverage.

Can I claim on my private health insurance as well as the National Program for personal injury claims?
The two policies will work together. You must initially claim on your private health insurance and then use the National Program to act as a safety net for any non-Medicare medical costs that exceed the limits of your private health insurance. Please note that you cannot claim the same costs twice.

Can I claim loss of income benefits if I only work on a casual basis?
Yes, you can claim loss of income benefits if you work on a full time, part time or casual basis. You will need to have your employer complete the loss of income section of the claim form.

Is there a time limit on the period of cover if I am injured?
Yes - your disablement and/or medical treatment must be within twelve (12) calendar months from the date of accident.

QUESTIONS RELATING SPECIFICALLY TO PUBLIC LIABILITY AND PROFESSIONAL INDEMNITY INSURANCE

What is Public Liability insurance?
This insurance provides cover for your legal liability to pay compensation for personal injury and/or property damage to third parties as a result of an occurrence in connection with your business (as described in the policy schedule).

Who is a third party?
Members of the general public are third parties.

What is negligence?
Negligence is the failure to exercise the duty of care which we are bound to observe toward other persons. An action for negligence arises where a person suffers injury and/or damage as a consequence of a breach of that duty to take care.

What is my legal liability?
Legal liability arises where a court of law deems you have been liable in a particular circumstance. The insurances does not extend to circumstances in which you may only feel a moral obligation towards a third party.

Does this Public Liability insurance cover employees' injury?
No. All claims for employee's injuries are not covered and must be referred to the relevant WorkCover insurer.

What is Professional Indemnity insurance?
This insurance provides cover for the Insured in respect of a breach of professional duty arising from negligent acts, errors or omissions in connection with the sport.

Is there a time limit for Professional Indemnity claims?
Yes, this policy applies on a claims made basis and therefore any incident which may lead to a claim must be reported to the Insurer within the policy period.