Frequently asked questions

The policy is owned by NRL and provides cover for all registered members (including, for example, Community players), as well as all non-participating officials (including, for example, coaches, managers, umpires and committee members). 

Cover under the policy is available if an insured person suffers an injury whilst participating in an official NRL game or other activity sanctioned by the NRL during the applicable policy period. Examples of such activities include official training sessions or camps, practice games, administrative or organised social events. 

The most commonly claimed benefits under the NRL’s Personal Accident policy are Weekly Injury Benefits, which apply when the injury impacts your ability to work. As well as reimbursement of Non-Medicare Medical Expenses (being costs you cannot claim from Medicare, excluding the Medicare Gap). 

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 are 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 $500 per week. This benefit is subject to a 28-day excess and 52-week benefit period.

Non-Medicare Medical Expenses
Subject to its terms and conditions, the NRL Insurance Program provides 80% reimbursement of Non-Medicare Medical Expenses (up to $5,000 per injury for members). 

Please note a $100 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 the NRL’s insurer to contribute to any charges covered or partially covered by Medicare. 

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 tabled below.

*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.

A claim form can be obtained by contacting Howden Insurance Brokers (Australia) Pty Ltd (Howden), or downloading a claim form from our website at www.howdengroup.com/au-en/nrl-australia. 

Once the claim form has been completed in full (including the declaration by your NRL Club Official), please submit the claim form to Berkshire Hathaway Specialty Insurance Company (inc in Nebraska, USA. Liability is limited) ABN 84 600 643 034 AFSL 466713 (BHSI). BHSI is the insurer of NRL’s Personal Accident Insurance Program and their contact details are as follows:

Berkshire Hathaway Specialty Insurance Company
T: 1300 380 377
E: [email protected]

BHSI may contact you to discuss the claim form and any further information which may be required to consider your claim.