INSURANCE COVERAGE - DETAILED INFORMATION

In the interest of our members we have put together a Sport Accident Support Program and Liability Insurance Scheme specifically tailored to meet the requirements of our sport.

The Northern NSW Football Program is designed to assist those who would otherwise not receive assistance after injury or accident. To make the program as fair and as wide reaching as possible, benefits are provided for those most exposed to injury. To keep the cost of membership as low as possible, while maintaining a wide reaching cover, not all situations can be covered.

Loss of income cover is only applicable to certain registration categories. For verification players need their club to contact Northern NSW Football.

Your Accident Support Program protects you whilst participating in sanctioned trialing, training and playing throughout the normal course of preparations and major competitions under the control of Northern NSW Football.

Exclusions (unless permission is specifically granted by Northern NSW Football) include:

- Indoor Football - Professional Training Camps and Clinics - Competitions conducted outside Northern NSW Football's normal season.

If in doubt about your situation, do not go ahead until you have contacted Northern NSW Football.

We recommend that you have your own private medical and health insurance cover over and above this insurance scheme. There are many packages available for your, active people.

Members should also be aware that the loss of income component of this program, due to the cost constraints is limited to $300 per week. Additional cover is available from BJS Insurance Brokers or through your own contacts.

Accident Support - Income Benefits

Accident Support cover offers protection should you receive an injury whilst engaged in officially sanctioned activities.

The following is a list of benefits in general terms. A full description of cover is included in the final section of this booklet.

1. Income Protection

Loss of income cover is only applicable to certain registrations being the Senior Category  - however it is provided as an optional add on cover for the Junior Registration Category.  For specific detail on Income Protection insurance please consult the Policy Disclosure Statement for limitation of coverage or club secretary for further information.

2. Optional Increased Income Protection

Is available only on a team basis please refer to Policy Disclosure Statement www.northernnswfootball.com.au

3. Student Expenses

Available to full time students. Additional tutorial costs incurred as a result of injury may be claimed. These benefits are:

- Limited to $200 weekly or 85%, whichever is the lesser; - Payable up to 52 weeks for any accident, excluding the first 14 days

4. Home Help Expenses

Should domestic help be necessary following an accident or injury, this cover provides reimbursement. It is available to those who are totally disabled who normally attend to domestic duties. Payments are to be made to a registered agency.

These benefits are:

- Limited to $300 weekly or 85%, whichever is the lesser; - Payable up to 52 weeks for any accident, excluding the first 14 days

5. Parent Inconvenience Allowance

If a full time student under 18 years of age is hospitalised following an accident, then their parent or guardian can claim benefits under this section to offset costs incurred as a result.

These benefits are:

- Limited to $300 weekly or 85%, whichever is the lesser; - Payable up to 52 weeks for any accident, excluding the first 14 days

Exclusions

Please note that under the Scheme, cover is not provided for the following:

- Any injury, medical condition, infirmity or weakness that was evident prior to the commencement of this policy; - Illness; - Any condition that is caused by repetitive movements or actions of the sport.

A full list of exclusions is included in the Policy Wording.

Accident Support V Death and Disablement

In most sports the risk of serious injury is unfortunately a possibility, thankfully a rare one. The Scheme covers members in the case of permanent disability or death.

There are numerous benefits that are payable which are listed in the Policy Wording under the section headed Compensation Table Capital Benefits. Following are some examples:

Permanent Total Disablement 100% of Capital Benefit
Permanent Paraplegia 100% of Capital Benefit
Loss of Sight - 1 or 2 eyes 100% of Capital Benefit
Loss of Hearing - 2 ears 100% of Capital Benefit
Loss of Hearing - 1 ear 50% of Capital Benefit
Accidental Death 100% of Capital Benefit
(limited to $10,000 for insured persons without dependent children

CAPITAL BENEFIT $50,000

***PLEASE NOTE, DISABLEMENT RESULTING FROM A PRE-EXISTING CONDITION IS NOT COVERED***

Medical Expenses

Due to Federal Government legislation, we are unable to cover ANY part of a Medicare item. That is, any Doctor, Surgeon, Anaesthetist, X-Ray or Pathology.

Accordingly, the Scheme has been set up to provide cover in relation to the most common Non-Medicare medical expenses.

The ONLY claimable medical expenses are:

- Ambulance - Dental - Physiotherapy/Chiropractic/Osteopathy/Naturopathy/Massage/Acupuncture - following referral from a Doctor - subject to a maximum benefit of $300 for pre-operative care - Private Hospital; from Accommodation, Theatre Fees and Prosthesis - Orthotics prescribed by a surgeon, following surgery. - The policy reimburses up to 85% of these costs; - A maximum of $5,000 is payable for any injury; or $2,000 for Futsal - Players who have private health insurance must claim from their health fund first, before claiming through QBE Insurance. - An excess of $50 applies to all players who do not have private health insurance. - Any costs incurred after 1 year from date of injury are not covered.

Please be aware that an MRI or scan of any type is not covered by this insurance, whether it can be claimed in part from Medicare or not.

Public Liability

Public Liability covers your club and its members in the event of a claim for personal injury or property damage made by members of the public. Insurance is limited to $25,000,000 for any claim.

Public Liability covers claims made against the Insured worldwide. The following is a list of the cover of this insurance:

- Liability for bodily injury to members of the public; - Liability for property damage; - Legal costs and expenses; - Member to member, excluding the event of deliberate violence; - Coaches, referees and trainers; - Goods and products sold; - Cross Liability; - Tenants Liability up to $25,000,000 is provided. A Certificate of Currency is available upon request if required by your local council. - Car Parks; - Lease Liabilities.

Property damage claims are subject to a $1,000 policy excess.

Exclusions

Please note that certain exclusions are made from the Public Liability cover. A full list of exclusions, conditions are definitions can be found in the Liability Policy Wording section of the Policy Disclosure Document found above. The following are important exclusions of which to be aware:

- Employers Liability; - Contractual Liability; - Directors and Officers Liability.

Professional Indemnity

Anyone who gives to another person advice and/or services of a skilful character according to an established discipline might be regarded as a professional.

The law requires a professional to exercise their skill at an appropriate level expected of that profession. But professionals are only human and mistakes do happen. Any financial loss arising from a mistake or failure by that professional to do so, may result in an award in favour of a third party. A professional may also be held to be liable for a mistake even though there was no negligence (i.e. breach of the Trade Practices Act).

A Professional Indemnity policy is designed to protect the personal assets of a professional against damages awarded against them by a court, or resulting from an approved negotiated settlement, in relation to an act, error or omission committed by the professional during the conduct of their professional business activities.

Northern NSW Football policy covers all registered coaches, referees and trainers to a limit of $10,000,000.

Workers Compensation

Any employer is required by law to have an insurance policy to cover employees in the event of injury.

Northern NSW Football through its membership of the NSW Sporting Injuries Scheme is entitled to exemption from the compulsory provisions of the Workers Compensation Act 1987 as a sporting organisation. For payments made to Northern NSW Football Referees (Statewide) and players participating in the NBN State League, NEW FM First Division and Womens Premier League Competitions.

Special Competitions

All competitions (six-a-side etc) played outside the regular football season are classified as Special Competitions and are subject to further insurance premiums as determined annually by Northern NSW Football. Clubs seeking to conduct such competitions should contact their Zone for further information. Approval must be granted by Northern NSW Football and Zone prior to the commencement of the competition.

Coaching Clinics

Clubs seeking to conduct coaching clinics during the season MUST seek permission from their Zone and may be subject to further insurance premiums.

Private operators conducting coaching clinics ARE NOT covered under the Federations insurance policy for injury or public liability. Clubs seeking to conduct coaching clinics with private operators MUST request proof of public liability insurance and ABN number.