Playing Members

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9 April 2024

Summary of insurance cover for Netball Australia playing members

Howden is Netball Australia's appointed insurance broker and risk advisor and has arranged a national risk insurance program for activities sanctioned by Netball Australia and State/Territory Associations. Coverage may extend to club competitions, clinics, events, training and travel.

If you have any questions or concerns about what activities are considered "sanctioned," individuals should reach out to their respective State or Territory Association for clarification.

The information throughout these webpages represents some high-level policy coverage benefits for your ease of reference. Please note that these webpages do not provide all benefit or coverage details.

Cover is subject to the terms, conditions, limits, excesses, waiting periods and exclusions.

Please ensure you carefully read the relevant policy wordings and any other coverage documents which outline the benefits, features, terms, conditions, limits, excesses, waiting periods and exclusions of cover. Some of these documents can be located on the policy and document hub. If you have any specific queries relating to cover, please contact Howden on 1300 402 730 or email us at [email protected]

Who is insured?

This insurance program is relevant for:

  • Netball Australia.
  • Registered playing members.
  • Prospective playing members.

What is covered?

This insurance program includes two types of cover:

  1. Personal Accident.
  2. Public Liability.

Who are the Insured Persons?
The policy is owned by Netball Australia, and provides cover for all registered members (including, for example, netball players), as well as all non-participating officials (including, for example, coaches, managers, umpires, committee members).

Operation of Cover
Cover under the policy is available if an insured person suffers an injury whilst participating in an official netball game or other activity sanctioned by Netball Australia during the applicable policy period. Examples of such activities include official training sessions or camps, netball trials or practice games, administrative or organised social activities (such as volunteering in the canteen or fundraising), as well as travel to and from these activities. 

Commonly Claimed Benefits
The most commonly claimed benefits under Netball Australia’s Personal Accident policy are for Weekly Injury Benefits when the injury impacts your ability to work and reimbursement of Non-Medicare Medical Expenses (being those amounts you cannot claim from Medicare and excluding the Medicare Gap). This includes Non-Medicare Medical Expenses incurred as a result of Fractured Bones. Further information about these commonly claimed benefits are listed below.

Weekly Injury Benefit
If, as a result of the injury, you are unable to work or your ability to perform your usual occupation is impacted, a Weekly Injury Benefit may apply. This benefit is only available to insured persons who were engaged in full-time or part-time permanent employment for a minimum of 40 hours over the 8-week period immediately prior to injury. 

Under the Weekly Injury Benefit, an insured person is entitled to 85% reimbursement of Income (as defined in the policy), up to a maximum of $250 per week for members and $700 per week for non-participating officials. This benefit is subject to a 14-day excess and 52-week benefit period, and differs for Netball WA (whereby insured persons are entitled to a maximum of $350 per week for members and $700 per week for non-participating officials). 

Non-Medicare Medical Expenses
Subject to its terms and conditions, the Netball Australia Insurance Program provides 75% reimbursement of Non-Medicare Medical Expenses (up to $2,500 per injury for members and $5,000 per injury for non-participating officials) and 100% reimbursement of ambulance expenses (up to $2,500 for members and $5,000 for non-participating officials). 
Please note a $75 excess will apply in respect of this benefit if you do not have private health insurance. Nil excess will apply if you have claimed any portion of the cost through your private health insurer.
The Health Insurance Act  1973 (Cth) does not permit Netball Australia’s insurer to contribute to any charges covered, or partially covered by Medicare. Sometimes, your Doctor, specialist or surgeon may charge more than the Medicare rebate for services. This may leave you with out of pocket expenses which are commonly referred to as the “Medicare Gap”. Please note the Medicare Gap is not covered by Netball Australia’s Personal Accident Insurance Program.


For illustrative purposes only, the types of items claimable under the Non-Medicare Medical Expenses benefit of the policy, as opposed to under Medicare, are listed below. 

Common Examples of Non-Medicare Medical Expenses
Ambulance
Private hospital accommodation
Dental
Physiotherapy
Chiropractor
MRI Scans*

Common Examples of items covered by Medicare (not claimable under the policy)
Doctor/General Practitioner (GP) fees
Public hospital admission & accommodation
Surgical fees charged by the Surgeon (and, if applicable the Surgeon’s Assistant)
X-rays
Anesthetist fees
MRI Scans*

*MRI scans are typically covered by Medicare, however, please check with your treating Doctor as in some cases, the provider may not be registered with Medicare. 

Scope of Cover:

  • This policy offers protection for insured members who are held liable for a negligent act that leads to property damage or bodily injury.

Limit of Liability:

  • The coverage provided is up to a maximum of $30,000,000 any one claim or series of claims arising from one occurrence.

Please refer to the Policy Hub for the policy wording, contact Howden on 1300 420 370 or email [email protected] for more information.

How to make a claim

 Personal Accident

If you are a member of a Netball Australia State/Territory Association or Club and you have suffered an injury whilst participating in a netball or netball related activity (including training, competing, official social event, fundraising activity or other sanctioned activity) please follow the steps below to lodge a Personal Accident claim.

For injuries or claims sustained prior to April 1st 2024 

Please refer to the policy wording for policy terms, conditions and exclusions. Please fill out the Personal Accident Claim Form and submit it to N2N following the steps below:

  1. Please download the Claim Form here: Netball Australia Personal Injury Claim Form
  2. Complete each section of the claim form. The declaration by your Association or Club must be completed by a nominated official. Incomplete claim forms may cause a delay in processing your claim.
  3. Please return your Personal Accident claim form and supporting documentation via email or post to the Personal Accident claims handler, N2N Claims Solutions who will process your claim on behalf of Canopius Australia.
  4. N2N Claims Solutions Address: Locked Bag 3111, Rhodes NSW 2138.
  5. Claims Solutions will confirm receipt of your claim form and advise whether they require further information.

If you have already lodged your claim and require an update, please contact N2N Claims Solutions directly:

Phone  1800 999 626
Email  [email protected]

For injuries or claims sustained on or after April 1st 2024 

Please refer to the policy wording for policy terms, conditions and exclusions. Please fill out the Personal Accident Claim Form and submit it to Berkshire Hathaway Specialty Insurance Company (BHSI) following the steps below:

  1. Please download the Claim Form here: Netball Australia Personal Injury Claim Form
  2. Complete each section of the claim form. The declaration by your Association or Club must be completed by a nominated official. Incomplete claim forms may cause a delay in processing your claim.
  3. Please return your Personal Accident claim form and supporting documentation via email to Berkshire Hathaway Specialty Insurance Company (BHSI).
  4. Email completed form to [email protected] 
  5. The claims team will confirm receipt of your claim form and advise whether they require further information.

If you have already lodged your claim and require an update, please contact Berkshire Hathaway Specialty Insurance Company (BHSI) directly:

Phone  1300 380 377
Email  [email protected] 

For assistance with completing your Personal Accident Claim Form please contact Howden:

Phone 1300 420 370
Email    [email protected]

You acknowledge that you are authorised to provide all information on your own or someone else’s behalf with regard to a claim. In doing so you consent to Howden collecting, using, handling and disclosing that information in accordance with our Privacy & Data Protection Policy.

Public & Products Liability

  1. Do not admit liability:Regardless of the circumstances, it is crucial that you do not admit liability if a claim arises. Admitting liability can have legal and financial implications. Please refrain from making any such admissions.
  2. Contact Howden immediately:In the event of a liability claim, promptly get in touch with Howden or your insurance provider to report the incident. You can reach us by phone at 1300 420 370. It is essential to notify us as soon as possible to begin the claims process and ensure you receive appropriate guidance and assistance.

Need to report an incident?

Make a claim
Do you have an existing policy with Howden?

Please tell us what has happened. Someone from the Howden team will get back to you.

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What to do if you are experiencing financial difficulties

We recognise that the current economic conditions are putting pressure on many households and businesses. At Howden, we are committed to finding ways to assist our customers who may require additional support during these times.

If you’re currently facing financial difficulty, please speak to us about your insurance policies by:-

-contacting your Howden Service Team; 
-calling Howden on 020 7623 3806;
-using the Enquiry form.

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Get in touch. We're here to help

For any specific queries, speak to a helpful representative from Howden on 1300 420 370 or email us at [email protected].