Group Sport Personal Accident Insurance

Period of Insurance

31st December 2007 at 4pm Local Standard Time to 31st December 2008 at 4pm Local Standard Time

Insured Persons
Category 1

All Registered Senior* Players of Clubs or Local Leagues affiliated with the Queensland Rugby League and its Divisions.
* Senior is defined as those players participating in Under 19 or above teams/competitions at the time of injury

Category 2

All Registered Coaches, Registered Voluntary Referees, Officials, Administrators, Voluntary Workers and Registered Junior Players, of Clubs or Local Leagues affiliated with the Queensland Rugby League and its Divisions.

Age Limits
5 years and over up to 100 years

Scope of Cover

Cover limited to injury” to an Insured Person whilst involved in the following QRL sanctioned Rugby League (including Rugby League Sevens and League Tag) activities or events:

·      Playing in official Club, school, NRL development squad & representative games

·      Participating in training or practice sessions, or official functions.

·      Travelling to or from Club, school, NRL development squad and representative games, training, meetings or official functions. (Limited to 20% of the applicable Capital Benefit)

·      Engaged in activities connected with the sport whilst staying away from home during a tour for the purpose of participating.

·      Engaged in authorised voluntary work / committee meetings.

·      Playing in trial games of the players own Club and/or any game in which the player is participating in an attempt to be graded for an NRL Club.

Note: End of season social trips are not covered under this policy

Injury

means bodily injury which:

·      Is sustained by an Insured Person during the Period of Insurance and while they are covered as an Insured Person under this policy; and

·      Results from an Accident and is caused by sudden, violent, external and visible means; and

·      Occurs solely and directly and independently of any other cause, including any illness, sickness, disease, pre-existing physical or congenital conditions or heatstroke, except illness or sickness directly resulting from, or medical or surgical treatment rendered necessary by such Injury; and

·      Occurs whilst engaged in the above listed sanctioned activities.

Capital Benefits (Category 1 & 2)

Under this section, the cover provides $150,000 for injuries that result in death. All other permanent disabilities are calculated using a percentage of the death benefit depending on the severity of the injury. For full details of these percentages, please refer to the Events Schedule contained in the policy wording.

Note:

·      Event 1 Death is limited to $10,000 for Insured Persons whose age is less than 18.

·     Double Capital benefit (i.e. $300,000) applies for total permanent Paraplegia & Quadriplegia claims.

·      Death & Capital benefits limited to $10,000 for ages 70 to 100 years.

Loss of Income (Category 2 ONLY)

Under this section the cover pays 85% of the Insured Person’s actual weekly income, up to a maximum of $400 per week, subject to a 14 day deferral period. Please note that income earned from participating in the sport of Rugby League is not covered. The benefit will be paid for the period of the Total Disablement as certified by a registered medical practitioner or 52 weeks whichever is the lesser.

Home Help Expenses (Category 2 ONLY)

Under this section the cover reimburses 100% of the actual costs incurred for Home Help from a recognised and licensed Domestic Help Agency, up to a maximum of $400 per week and subject to a 14 day deferral period. The benefit will be paid for the period of the Total Disablement as certified by a registered medical practitioner or 52 weeks whichever is the lesser.
 

Full Time Student Assistance Benefit (Category 2 ONLY)

Under this section the cover reimburses 100% of the cost of Home Tutorial by a qualified tutor, up to a maximum of $400 per week and subject to a 14 day deferral period. The benefit will be paid for the period of the Total Disablement as certified by a registered medical practitioner or 52 weeks whichever is the lesser.

Non-Medicare Medical Expenses (Category 1 & 2)

Under this section the cover reimburses 80% of medical treatment up to a maximum of $2,000. All treatment must be certified by a registered medical practitioner and not subject to any Medicare rebate. All claims are subject to a $50 excess for those claimants who don’t have Private Health Insurance and a nil excess applies for those claimants who have Private Health Insurance. Any expenses must be incurred within 12 months of the Insured Person sustaining the injury.

Note: Where covered expenses cannot be provided during the policy’s usual twelve (12) calendar month benefit period and the delay with treatment is recommended by the Insured Person’s treating medical practitioner, specialist or dental surgeon and is entirely due to the original injury, then these expenses will be paid provided the original injury/claim was lodged within that policy period and a medical statement is provided which confirms the date the treatment/procedure can be undertaken. During this period the Insured Person must follow medical advice from his or her legally qualified medical practitioner or a qualified dental surgeon. These expenses will be paid up to the maximum benefit payable under the policy and only whilst the policy remains in force.

Parents Inconvenience Allowance (Category 2 ONLY)

Under this section the cover reimburses $15 per day in-patient benefit to a full time student up to age 20 for continuous confinement in hospital because of an injury. The benefit is limited to $1 500 and there is no cover for the first 24 hours.

Ancillary Non Medical Expenses (Category 1 & 2)

The cover under this section provides 80% reimbursement for Ancillary Non Medical Expenses (expenses related to medical treatment if certified as necessary. i.e. expenses include items such as travel to receive treatment, but does not include wages lost by any person). The maximum payable under this benefit is $1 000.

 
Note: Accommodation expenses to be capped at $150 per night.

Funeral Benefit (Category 1 & 2)

Covering Funeral Expenses incurred up to a limit of $2,000.