GIJFC Insurance Details

ACCIDENT / INJURY INSURANCE

It is the Club's policy to provide the maximum possible insurance protection for its members to minimize any out of pocket expenses to parents for injuries suffered during football-related activities. Wherever possible the Club will take up upgrade options provided by its insurer to meet this policy objective.

Unfortunately there are some statutory limitations on the extent of medical coverage that can be offered by commercial insurers, particularly in relation to services covered by Medicare.

The decision process looks something like this:

  

This means that there may still be significant out of pocket expenses for parents WHERE THE SERVICES ARE COVERED BY MEDICARE, as all insurers are barred by law from providing coverage for Medicare gap payments. For services outside the Medicare coverage, refunds will be obtained - up to the limitations of the insurance coverage - through a combination of family private insurance and the Club's insurance policy.

The limitations on the Club's coverage are as follows:

Non-Medicare costs             90% reimbursement

                                          Max. $7,500 per claim

                                          Excess $50 per claim (the Club will pay the excess)

Capital benefits                     Max. $200,000 per claim (covers partial or complete loss of body functions)

Full details of the Club's insurance can be found at the JLT Sport website. The Club has Platinum level coverage for non-Medicare medical coverage and the maximum available Capital Benefits upgrade. It does NOT have coverage for loss of income (applicable to senior clubs).

Please contact Club Secretary Alastair Hamer on 0400 029 849 if there are any comments or queries.