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Kawana Indoor Sports
Period of Insurance
2nd
April 2007 at 4pm Local Standard Time to 2nd April 2008
at 4pm Local Standard Time
Insured Persons
All
Registered Players, Coaches, Umpires/Referees, Administrators,
Committee Members, Trainers, Medical Staff or Voluntary Workers.
Age Limits
Nil
Scope of Cover
The
policy provides worldwide coverage for Accident whilst involved in
the following authorised/sanctioned activities or events:
§
Competing in official matches/games.
§
Participating in training or practice sessions, or official
functions.
§
Travelling to or from official matches/games, training, meetings or
official functions.
§
Engaged in activities connected with the sport whilst staying away
from home during a tour for the purpose of participating in
matches/games.
§
Engaged in authorised voluntary work/committee meetings.
Policy Benefits
Capital Benefits
The cover under this section provides
$75,000 for death resulting from accident. 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 Schedule of Capital
Benefits contained in the policy wording. Please Note Death is
limited to 20% for Members whose age is less than 18.
Modification Expenses
The cover under this section provides
for costs necessary up to a maximum of $10,000 to modify the
Member’s home and/or motor vehicle, or relocating to a suitable
home if they are entitled to 100% of the Capital Benefit.
Funeral Expenses
The cover under this section reimburses
funeral costs up to a maximum of $5,000.
In Memoriam Benefit
The cover under this section provides
for reasonable costs associated with observance of the death of a
Member up to a maximum amount of $1,000.
Loss of Earnings
The cover under this section pays 100% of the Members actual
weekly income, up to a maximum of $500 per week, subject to a 7
day deferral period. Please note that income earned from
participating in the sport is not covered. The benefit will be
paid for the period of the Disablement as certified by a
registered medical practitioner or 52 weeks whichever is the
lesser.
Student Help
The cover under this section reimburses
100% of the cost of Home Tutorial by a qualified tutor, up to a
maximum of $500 per week and subject to a 7 day deferral period.
The benefit will be paid for the period of the Disablement as
certified by a registered medical practitioner or 52 weeks
whichever is the lesser.
Home Help
The cover under this section reimburses
100% of the actual costs incurred for Home Help from a recognised
and licensed Domestic Help Agency, up to a maximum of $500 per
week and subject to a 7 day deferral period. The benefit will be
paid for the period of the Disablement as certified by a
registered medical practitioner
or 52 weeks whichever is the lesser.
Parents Allowance
The cover under this section reimburses
$25 per day in-patient benefit to a full time student under 25
years of age for continuous confinement in hospital because of an
accident. The benefit is limited to $1,500.
Dependent Children’s Allowance
The cover under this section provides
for reasonable costs incurred by the Dependent Children of a
Member whilst the Member is undergoing medical treatment. The
benefit is limited to $500.
Medical and Dental Costs
The cover under this section reimburses 85% of non-Medicare
medical treatment including ambulance, hospital accommodation /
theatre fees, orthotics, splints, prosthesis, treatments given by
a dentist, chiropractor, masseur, naturopath, osteopath or
physiotherapist. The maximum benefit for this section is $2,500.
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 if no private health cover. Any
expenses must be incurred within 12 months of the insured person
sustaining the injury.
Home Nursing Care
The cover under this section provides
for nursing care provided by a registered nurse (not related to
the Member) where they are confined to bed for a period of not
less than 7 days if certified medically necessary. The maximum
weekly benefit payable is $300 per week, and is subject to a 7 day
deferral period. The benefit will be paid for the period of the
Disablement as certified by a registered medical practitioner or
52 weeks whichever is the lesser.
Ancillary Non Medical Expenses
The cover under this section provides
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
$1,500.
Rehabilitation Benefits
The cover under this section provides
for reimbursement of:
a.
Tuition or advice fees from a vocational college if certified as
necessary and agreed to. The maximum payable under this benefit
is $3,000.
b.
Rehabilitation expenses (eg gym membership) certified as necessary
and agreed to. The maximum payable under this benefit is $500.
Unexpired Membership Reimbursement Benefit
The cover under this section provides
for pro-rata refund of your club’s or association’s
membership/registration fee from the date of injury if the Member
can’t play for the rest of the season. The maximum payable under
this benefit is $500.
Double Capital Sum Insured
The cover under this section provides
for double the Capital Sum Insured to be paid for a person under
12 years of age who suffers: permanent total disablement or
permanent paralysis of all limbs.
Miscarriage and Premature Childbirth
The cover under this section provides
for $2,500 compensation for Miscarriage and Premature Childbirth
as a direct result of an Accident whilst participating.
HIV
The cover under this section provides
for 10% of the Permanent Total Disability Benefit 1. as listed in
the Schedule of Capital Benefits if contracted as a result of an
Accident.
Kidnapping
The cover under this section provides for 10% of the Permanent
Disability Benefit 1 as listed in the Schedule of Capital
Benefits.
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