Playing Members

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.