Queensland Rugby League AWS
ajg.com.au/qrl
HOW DO I MAKE A CLAIM? To make a claim for injury, take the following steps within 30 days of the injury occurring:
PERSONAL ACCIDENT INSURANCE To make a claim, take the following steps within 30 days of the incident occurring:
CATEGORY A
Queensland Rugby League
Refer WorkCover Queensland by calling 1300 362 128
2018 QRL REFEREES INSURANCE PROGRAM QUICK GUIDE
CATEGORY B STEP 1: Obtain a claim form from Gallagher by calling 1800 SPORT 0 (1800 776 780) or download by visiting www.ajg.com.au/qrl. STEP 2: Arrange for your doctor to complete the ‘Medical Statement’
Direct to your QRL Insurance Advisor
SPORTS INJURY COVER SUMMARY 2018
www.ajg.com.au/qrl 1800 SPORT 0 (1800 776 780)
STEP 3: Arrange for your club secretary to complete ‘The Club’s Declaration’ If claiming loss of income have your employer complete ‘The Member’s Employment Details’ section STEP 4: Return the completed claim form to Gallagher (Contact details below)
LIABILITY INSURANCE CONTACT US Arthur J. Gallagher. ABN 005 543 920. AFSL 238312 Terry Berryman, Julian Jemmott or Bryce Stevens Arthur J. Gallagher & Co (Aus) Limited ACN 005 543 920 25 Main Street, Beenleigh QLD 4207 PO Box 302, Beenleigh QLD 4207 1800 SPORT 0 (1800 776 780) | Fax: 07 3367 5100 [email protected] Arthur J. Gallagher Insurance Brokers. AFSL 238312. To the extent that any material in this brochure may be considered advice, it may only be considered general advice as it does not take into account your personal objectives, needs or financial situation. Arthur J. Gallagher urges you to read the relevant policy wording and consider whether any products are appropriate for your situation before making a decision to acquire insurance.
AJG001814-1117
It is essential that you notify Gallagher Sport immediately on 1800 SPORT 0 (1800 776 780) of any potential claim. We will then provide you with advice as how to proceed.
SCOPE OF COVER INSURED MATCH OFFICIALS - CATEGORY A
DEAR QRL REGISTERED MATCH OFFICIALS,
INSURED PERSON
All match officials receiving a form of remuneration as defined by WorkCover Queensland.
COVER
CATEGORY A
CATEGORY B
PUBLIC LIABILITY
$50,000,000
$50,000,000
INSURED PERSONS - CATEGORY B
PRODUCTS LIABILITY
$50,000,000
$50,000,000
PROFESSIONAL LIABILITY
$10,000,000
$10,000,000
We are pleased to present this quick guide to the 2018 Whole
All registered non active match officials, administrators, officials, voluntary workers affiliated with the Queensland Rugby League and its Divisions.
Not Insured
$750,000
of Game Insurance Program.
LIABILITY INSURANCE
- Death and other Capital benefits
(refer WorkCover Qld)
$200,000
SCOPE OF COVER – CATEGORY A & B
- Under 18 Death benefit limited to
$10,000
The policy will pay for sums which an Insured (refer above) becomes legally liable to pay for compensation in respect of personal injury, property damage and or advertising liability. This includes, but is not limited to:
- Death and Capital Benefits (70 to 100 years)
$10,000
The purpose of this quick guide is to provide an overview of some of the main covers of the policies as well as instructions on how to make a claim. For full details of cover please refer to the policy documents available on the QRL website at www.ajg.com.au/qrl or call your broker on 1800 SPORT 0 (1800 776 780). General insurers in Australia are prohibited (refer to National Health Act 1953) from making payment on any expenses for which a Medicare benefit is paid or is payable including the balance of monies due or payable by you after deduction of any Medicare benefit or rebate from the actual expense incurred. This is commonly referred to as the ‘Medicare Gap’. This minimum level of cover means this program is not ‘comprehensive’ and as such we encourage all participants to take out Private Health, Life and Income Protection Insurance according to their own individual needs and circumstances. It is your responsibility to ensure that you have adequate Insurance cover for your needs. We wish all participants a safe and enjoyable 2018 Rugby League season.
Yours sincerely
Terry Berryman Team Leader Gallagher Sport
• • •
Participation Risk Tenants Liability Products Liability
• • •
Professional Liability Property in Care, Custody or Control Advertising Liability
PERSONAL ACCIDENT INSURANCE SCOPE OF COVER – CATEGORY B The policy provides worldwide cover (excluding USA & Canada) for injury* to all Insured Persons whilst involved in the following activities or events, where sanctioned by any affiliated ARLC body: • Playing in official club, school, representative games (excluding Kangaroos) & NRL development squad activities but only where no other covers are in place. • Participation in official organised training or practice sessions, or official functions. • Travelling to or from club, school, representative games (excluding kangaroos), NRL development squad activities, training, meetings or official functions. (Limited to 20% of the applicable Capital Benefit). • Engaged in activities connected with the sport whilst staying away from home during a tour for the purpose of participating. • Engaged in authorised voluntary work / committee meetings. • Playing in trial games of the player’s own Club and/or any game in which the player is participating in an attempt to be graded for an NRL Club. Note: End of season social trips are not covered under this program
Endorsed by
Rob Moore Managing Director QLD Rugby League
*Injury, in the context of this policy, means bodily injury which: • is sustained during the policy period (31 December 2017 31 December 2018) and whilst engaged in the above insured activities; and • is a result of an accident caused by sudden, violent, external and visible means; and • Occurs solely and directly and independently of any other cause, including any illness, sickness, disease, pre-existing physical or congenital conditions or heatstroke.
CAPITAL BENEFITS - Paraplegia and Quadriplegia
LOSS OF INCOME Weekly benefit limit - Benefit %
Not Insured (refer WorkCover Qld)
- Benefit period
$500 85% 52 weeks
- Excess
14 days
STUDENT ASSISTANCE - Weekly benefit limit - Benefit %
Not Insured
$500
(refer WorkCover Qld)
100%
- Benefit period
52 weeks
- Excess
14 days
HOME HELP - Weekly benefit limit - Benefit %
Not Insured
$500
(refer WorkCover Qld)
100%
- Benefit period
52 weeks
- Excess
14 days
PARENTS ALLOWANCE - Daily benefit - Maximum benefit
Not Insured
$15
(refer WorkCover Qld)
$1,500
- Excess
24 hours
NON MEDICARE MEDICAL EXPENSES - Limit - Benefit
Not Insured
$5,000
(refer WorkCover Qld)
80%
- Excess (no Private Health Insurance)
$50
- Excess (Private Health Insurance)
Nil
FUNERAL EXPENSES - Limit
Not Insured (refer WorkCover Qld)
$5,000
ANCILLARY NON MEDICAL EXPENSES Travel and accommodation expenses to receive treatment - Limit - Benefit
$1,000 (refer WorkCover Qld)
Note: Accommodation expense capped at $150 per night
80%
HOW DO I MAKE A CLAIM? To make a claim for injury, take the following steps within 30 days of the injury occurring:
PERSONAL ACCIDENT INSURANCE To make a claim, take the following steps within 30 days of the incident occurring:
CATEGORY A
Queensland Rugby League
Refer WorkCover Queensland by calling 1300 362 128
2018 QRL REFEREES INSURANCE PROGRAM QUICK GUIDE
CATEGORY B STEP 1: Obtain a claim form from Gallagher by calling 1800 SPORT 0 (1800 776 780) or download by visiting www.ajg.com.au/qrl. STEP 2: Arrange for your doctor to complete the ‘Medical Statement’
Direct to your QRL Insurance Advisor
SPORTS INJURY COVER SUMMARY 2018
www.ajg.com.au/qrl 1800 SPORT 0 (1800 776 780)
STEP 3: Arrange for your club secretary to complete ‘The Club’s Declaration’ If claiming loss of income have your employer complete ‘The Member’s Employment Details’ section STEP 4: Return the completed claim form to Gallagher (Contact details below)
LIABILITY INSURANCE CONTACT US Arthur J. Gallagher. ABN 005 543 920. AFSL 238312 Terry Berryman, Julian Jemmott or Bryce Stevens Arthur J. Gallagher & Co (Aus) Limited ACN 005 543 920 25 Main Street, Beenleigh QLD 4207 PO Box 302, Beenleigh QLD 4207 1800 SPORT 0 (1800 776 780) | Fax: 07 3367 5100 [email protected] Arthur J. Gallagher Insurance Brokers. AFSL 238312. To the extent that any material in this brochure may be considered advice, it may only be considered general advice as it does not take into account your personal objectives, needs or financial situation. Arthur J. Gallagher urges you to read the relevant policy wording and consider whether any products are appropriate for your situation before making a decision to acquire insurance.
AJG001814-1117
It is essential that you notify Gallagher Sport immediately on 1800 SPORT 0 (1800 776 780) of any potential claim. We will then provide you with advice as how to proceed.
SCOPE OF COVER INSURED MATCH OFFICIALS - CATEGORY A
DEAR QRL REGISTERED MATCH OFFICIALS,
INSURED PERSON
All match officials receiving a form of remuneration as defined by WorkCover Queensland.
COVER
CATEGORY A
CATEGORY B
PUBLIC LIABILITY
$50,000,000
$50,000,000
INSURED PERSONS - CATEGORY B
PRODUCTS LIABILITY
$50,000,000
$50,000,000
PROFESSIONAL LIABILITY
$10,000,000
$10,000,000
We are pleased to present this quick guide to the 2018 Whole
All registered non active match officials, administrators, officials, voluntary workers affiliated with the Queensland Rugby League and its Divisions.
Not Insured
$750,000
of Game Insurance Program.
LIABILITY INSURANCE
- Death and other Capital benefits
(refer WorkCover Qld)
$200,000
SCOPE OF COVER – CATEGORY A & B
- Under 18 Death benefit limited to
$10,000
The policy will pay for sums which an Insured (refer above) becomes legally liable to pay for compensation in respect of personal injury, property damage and or advertising liability. This includes, but is not limited to:
- Death and Capital Benefits (70 to 100 years)
$10,000
The purpose of this quick guide is to provide an overview of some of the main covers of the policies as well as instructions on how to make a claim. For full details of cover please refer to the policy documents available on the QRL website at www.ajg.com.au/qrl or call your broker on 1800 SPORT 0 (1800 776 780). General insurers in Australia are prohibited (refer to National Health Act 1953) from making payment on any expenses for which a Medicare benefit is paid or is payable including the balance of monies due or payable by you after deduction of any Medicare benefit or rebate from the actual expense incurred. This is commonly referred to as the ‘Medicare Gap’. This minimum level of cover means this program is not ‘comprehensive’ and as such we encourage all participants to take out Private Health, Life and Income Protection Insurance according to their own individual needs and circumstances. It is your responsibility to ensure that you have adequate Insurance cover for your needs. We wish all participants a safe and enjoyable 2018 Rugby League season.
Yours sincerely
Terry Berryman Team Leader Gallagher Sport
• • •
Participation Risk Tenants Liability Products Liability
• • •
Professional Liability Property in Care, Custody or Control Advertising Liability
PERSONAL ACCIDENT INSURANCE SCOPE OF COVER – CATEGORY B The policy provides worldwide cover (excluding USA & Canada) for injury* to all Insured Persons whilst involved in the following activities or events, where sanctioned by any affiliated ARLC body: • Playing in official club, school, representative games (excluding Kangaroos) & NRL development squad activities but only where no other covers are in place. • Participation in official organised training or practice sessions, or official functions. • Travelling to or from club, school, representative games (excluding kangaroos), NRL development squad activities, training, meetings or official functions. (Limited to 20% of the applicable Capital Benefit). • Engaged in activities connected with the sport whilst staying away from home during a tour for the purpose of participating. • Engaged in authorised voluntary work / committee meetings. • Playing in trial games of the player’s own Club and/or any game in which the player is participating in an attempt to be graded for an NRL Club. Note: End of season social trips are not covered under this program
Endorsed by
Rob Moore Managing Director QLD Rugby League
*Injury, in the context of this policy, means bodily injury which: • is sustained during the policy period (31 December 2017 31 December 2018) and whilst engaged in the above insured activities; and • is a result of an accident caused by sudden, violent, external and visible means; and • Occurs solely and directly and independently of any other cause, including any illness, sickness, disease, pre-existing physical or congenital conditions or heatstroke.
CAPITAL BENEFITS - Paraplegia and Quadriplegia
LOSS OF INCOME Weekly benefit limit - Benefit %
Not Insured (refer WorkCover Qld)
- Benefit period
$500 85% 52 weeks
- Excess
14 days
STUDENT ASSISTANCE - Weekly benefit limit - Benefit %
Not Insured
$500
(refer WorkCover Qld)
100%
- Benefit period
52 weeks
- Excess
14 days
HOME HELP - Weekly benefit limit - Benefit %
Not Insured
$500
(refer WorkCover Qld)
100%
- Benefit period
52 weeks
- Excess
14 days
PARENTS ALLOWANCE - Daily benefit - Maximum benefit
Not Insured
$15
(refer WorkCover Qld)
$1,500
- Excess
24 hours
NON MEDICARE MEDICAL EXPENSES - Limit - Benefit
Not Insured
$5,000
(refer WorkCover Qld)
80%
- Excess (no Private Health Insurance)
$50
- Excess (Private Health Insurance)
Nil
FUNERAL EXPENSES - Limit
Not Insured (refer WorkCover Qld)
$5,000
ANCILLARY NON MEDICAL EXPENSES Travel and accommodation expenses to receive treatment - Limit - Benefit
$1,000 (refer WorkCover Qld)
Note: Accommodation expense capped at $150 per night
80%
