What is Personal Injury Insurance?

Accidents. We never see them coming.

But you can be better prepared with the right personal accident insurance policy. Personal Injury Insurance is designed to offer some peace of mind to members, participants and volunteers of an organisation by having protection for certain costs related to an injury sustained whilst involved in an insured’s activity.

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Coverage Limits

> Capital Benefits
$100,000 maximum
$25,000 maximum (Under 18)
> Loss of Income
85% up to maximum $700 per week
$3,500 maximum per claim
7 day elimination period
104 week benefit period
> Non-Medicare Medical Expenses
75% reimbursement
$5,000 maximum per claim
> Injury Assistance
$3,000 maximum limit per claim

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Policy
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When does Personal Injury Insurance apply?

Personal Accident insurance provides coverage for injuries sustained whilst participating in an activity under the following circumstances:

  • An official match or training session
  • Traveling to and from an official club activity
  • Participation in an official club function
  • Tours or representative matches

What cover is typically excluded from a Personal Liability policy?

Public Liability – provides you with cover in the event of death or permanent disability. Refer to your Programme Summary for full benefit details and limits.

Non-Medicare Medical Benefits – provides reimbursement for items that are not claimable in any way through Medicare. Due to legislation, this does not include the Medicare Gap.

Loss of Income Cover – (where included) provides reimbursement of a claimants’ weekly income. Please refer to your Programme Summary for full benefit details and limits.

Examples of Personal Injury Claims

Capital Benefit – a participant loses permanent sight in one eye due to a ball hitting him. The claimant can claim for permanent disablement under this section

Non-Medicare Medical Benefits – a participant requires a knee reconstruction resulting from a sporting injury. A claim can be made through this section of the policy for items not covered in part by Medicare.

Loss of Income(where covered by the sport) – Bill is a builder and is unable to work due to breaking his leg whilst playing. His loss of earnings (not including sick leave) can be claimed under this section of the policy.

When does Personal Injury Insurance apply?

Step 1 – access a current claim form from the Honan website

Step 2 – complete all relevant sections of the claim form

Step 3 – send your claim form to your nominated claims advisor ASAP

Step 4 – your claims advisor will confirm receipt of your claim

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