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Spectators cannot claim under the National Risk Management & Insurance Programme. They are not included as insured persons under the Personal Injury Policy and cannot make a claim for their own injury under the Policy. However, if a liability arises for a club in relation to a spectator's injury, the club is listed as an insured person under the Public Liability policy and may make a claim under that policy.
The Australian Government sets a Medicare Benefits Schedule (MBS) fee for most services. Procedures recognised by Medicare will have a MBS ’item number’ and fee.
Medicare pays a benefit of:
• 75% of the MBS fee for in-hospital treatment as a private patient.
• 85% of the MBS fee for out-of-hospital services. However doctors can charge their patients more than the MBS fee if they choose, and many do.
The Sports Injury Programme can assist with expenses that are not covered by the Medicare Act 1973. i.e. expenses for which there is no full or partial Medicare rebate. Commonwealth Legislation only allows a registered private health insurer to pay any Medicare Gap.
Property owners such as councils or facility managers can be noted on the Certificate Of Currency (COC) for their vicarious liability. Please click here to request a COC for your Public Liability policy.
Yes, the National Risk Management & Insurance Programme is available to all registered players, coaches and officials.
Yes, the National Risk Management & Insurance Programme extends to overseas representative and club matches, for registered players, coaches and officials on tours officially sanctioned by Rugby Australia and the host union.
The Personal Injury Policy is not a travel insurance policy so it does not cover specific overseas medical; evacuation or emergency assistance benefits. Other losses such as flight cancellations, misplaced or stolen luggage is not covered. Aon can help with travel and tailor a policy for you before you travel.
Click here to find out more about travel insurance.
The National Risk Management & Insurance Programme includes schools playing in a Rugby Australia Association (sanctioned) competition, it is best to check with your school to see which competitions your school participates in as non-Rugby Australia sanctioned competitions are not included under the national programme.
If your Aon claims advocate is unable to resolve your complaint with insurers, or if you are dissatisfied with the response, it will be referred to Aon’s Complaints Officer for an independent review in accordance with Aon’s Internal Dispute Resolution Process. Alternatively, you can contact Aon’s Complaints Officer by calling 02 9253 7000 or you can email details of your complaint to us in at email@example.com.
In the unlikely event that this does not resolve the matter or you are not satisfied with the way your complaint has been dealt with, you should contact:
Lloyd’s Australia Limited
Level 9, 1 O’Connell St
Sydney NSW 2000
Telephone: (02) 8298 0783
External Dispute Resolution
If your complaint is not resolved in a manner satisfactory to you or we do not resolve your complaint within 45 calendar days of receiving it you may refer the matter AFCA as follows:
AFCA can be contacted by:
Post: GPO Box 3, Melbourne VIC 3001
Phone: 1800 931 678
More information can be found on their website www.afca.org.au
Yes, ambulance is a Non-Medicare benefit and costs may be recovered under the National Risk Management & Insurance Programme for registered players, coaches and officials.
The National Risk Management & Insurance Programme includes overseas players, who are not residents of Australia playing for your club.
It is also important to note that not all overseas players will be covered by Medicare – see attached link for details on countries Australia has agreements with -www.humanservices.gov.au/individuals/services/medicare/reciprocal-health-care-agreements/when-australians-go-overseas/about-reciprocal-health-care-agreements#a1