Frequently Asked Questions
1. What
is the period of cover for the National Program?
2. How do I join the National Program?
3. How do I pay for this insurance?
4. How can we prove that we have public liability
insurance?
5. Is our association/club covered for any fundraising
events that we may have throughout the season?
6. Are our committee members covered?
7. Are external contractors working on our premises
covered?
8. Where can I find a personal accident claim form?
9. When should I send in a personal accident claim form?
10. Do I need a claim number before submitting my claim?
11. Is the Medicare gap claimable under the personal
accident policy?
12. What is the excess / elimination period under the
personal accident policy?
13. Is the cost of ambulance transport covered under the
program?
14. Can I claim on my private health insurance as well as
the national program for personal injury claims?
15. Can I claim loss of income benefits if I only work on a
casual basis?
16. Can I make more than one claim during the season?
17. Is buildings Insurance (i.e. fire and theft) provided
under the National Program?
1. What is the period of cover for the National
Program?
31st December 2007 at 4pm Local Standard Time to 31st December 2008 at 4pm
Local Standard Time.
2. How do I join the National Program?
Coverage is automatically provided to every association and club throughout
Australia, that is directly affiliated with its State/Territory tennis
association.
3. How do I pay for this insurance?
Marsh does not collect any insurance premiums directly from associations or
clubs. Please refer to your local affiliated Association for payments
arrangements.
4. 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.
5.
Is our association/club covered for any
fundraising events that we may have throughout the season?
Yes, association and club fundraising activities are automatically covered
under the National Program. If however, your proposed event involves any of
the listed activities, please contact Marsh on 1300 308 702 to ensure that
cover can be confirmed with the insurer prior to the activity.
These
activities include:
§
4WD
rallies
§
jumping
castles
§
water
activities
§
aircraft,
fireworks
§
livestock
§
rides
of any kind
§
large
crowds
§
events
involving security personnel
6.
Are our committee members covered?
Association and club committee members are covered for any wrongful act
committed in their capacity as office bearer. Wrongful acts include any
error, misstatement, misleading statement, act, omission, neglect or breach
of duty. Your association/league/club must be an incorporated body to gain
access to this coverage. Committee members are also able to lodge a claim
under the personal accident policy if they are injured during a club
activity.
7.
Are external contractors who are working
on our premises covered?
No, external contractors should carry their own public liability insurance.
8.
Where can I find a personal accident
claim form?
A claim form is located on this website by clicking here.
9.
When should I send in a personal accident
claim form?
A claim form should be completed and submitted as soon as you become aware
that you will be making a claim. You do not have to wait until after you have
completed treatment for your injury.
10.
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.
11.
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.
12.
What is the excess / elimination period
under the personal accident policy?
There is a $20 excess in respect to making a claim for non-Medicare medical
treatment. This amount will be deducted from any reimbursement that you are
entitled to. If you are making a claim for loss of income, you are subject to
a 7 day elimination period, which also takes into account any accrued sick
leave or other entitlements. This means that any loss of income during this
period is not claimable.
13.
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.
14.
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.
15.
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.
16.
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 tennis.
17. 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 308 702.
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