NSWRL Frequently asked questions

Non-Medicare Medical Expenses typically include private hospital accommodation, dental, physiotherapy, chiropractor and osteopathy related expenses.

Common examples of Medicare items not claimable under the policy include doctor/general practitioner fees, public hospital admission, surgical fees, X-rays and anaesthetist fees. 

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.

The Health Insurance Act 1973 (Cth) does not permit your personal accident 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 under the Personal Accident Insurance Program.

There is a weekly injury benefit on the policy. Please review policy terms and conditions to ensure you are eligible.

The maximum weekly injury benefit period is 52 weeks and a waiting period applies.

Yes, you are required to pay for your medical expenses upfront and seek subsequent reimbursement under the policy. 

Please ensure that you keep all receipts for these expenses to include within your claim submission. Upon approval of your claim, you will be reimbursed.

We recommend lodging your claim as soon as possible to expedite the reimbursement process. 

Upon submission, the insurer will issue a claim number. This number will be used for the ongoing reimbursement of funds as expenses are incurred for the injury.

Cover is obtained through affiliation with NSWRL. 

Under the NSWRL program, coverage extends to cover your Personal Accident, Combined Liability (Public & Products Liability and Professional Indemnity) and Management Liability policies.

Club fundraising activities are automatically covered under the NSWRL insurance program subject to policy terms and conditions.

If alcohol, 4WD rallies, jumping castles, water sports, aircraft, fireworks, amusement rides, large crowds or events involving security personnel (or any high risk activities) are involved please contact your dedicated Howden broker or NSWRL.

No. Should you wish to source building and content cover for your club, please contact Howden or visit the Sports Club Property Package page.

No. Councils cannot be noted as a named insured on the policy. They can be listed as an interested party on certificates of currency, which is a legal document that demonstrates you have public liability insurance.

Howden can provide this upon request, along with other interested parties as required.

If you are not fully satisfied with our services, please talk to your account manager and advise us of your complaint.

If you remain unsatisfied with the way your concern has been dealt with, you may request a review of your complaint through our internal dispute resolution process by contacting our Complaints Officer at:

• Phone: 1300 904 503
• Email: [email protected]
• Writing: Level 23, 20 Bond Street, Sydney, NSW 2000
• Or by speaking to any representative of our business who will refer you to the Complaints Officer.