Transcript Document

Presentation to Queensland Rugby Union
AUSTRALIAN RUGBY UNION
Insurance Scheme
Gow-Gates Insurance Brokers
Presented by Anton Gelbart
Background
• Gow-Gates have been the brokers to the ARU since 1996
• Structured the ARU Funded Deductible
• Covers Personal Accident, Sports Public and Products
Liability and Sports Professional Indemnity
• Renewal Date is 1st March 2004
ARU Insurance Policy
• Covers all players and officials involved in Rugby Union
throughout Australia, when affiliated with the ARU
• The plan is held by the ARU and extends to include various
affiliated unions, clubs, players and officials
The ARU Funded Deductible
• Different to conventional insurance
• Obtain cost savings
• Proportion of the Sports Injury insurance is set up under a
self-insurance type fund
• The Fund pays all Personal Injury claims up to $1,600,000
• QBE Insurance Company administer fund
• Claims are paid on the same basis as the insurance policy.
Insurance Levy Payments
• All clubs affiliated with the ARU and/or various state unions are
automatically covered
• An insurance Levy based on team numbers is payable by all clubs
• An invoice based on the previous years team numbers is sent to
each club
• The insurance levy is payable by 30th June 2004
• There are premium funding options available to make payments in
7 installments
Who Is Covered?
• Australian Rugby Union Limited and its members and affiliate
members, including member clubs and associations of the
various State members
• All players, coaches, trainers, managers, administrators,
voluntary workers, selectors, referees, touch judges, ball boys,
medical officers, physiotherapists and ambulance workers, and
all directors, officers, employees, executive officers, office
bearers, members and committees of the Insured
Those Not Covered
• School teams not playing in ARU Junior competitions
• Golden Oldies
• Social Teams not playing in ARU or underlying Union sanctioned
competition
• Age limitation for the Personal Accident Policy
• 4-65 years increased to 75 for Administrators
When Is Cover Provided?
• Engaging/playing in official club matches/activities
• Engaging in organised training or practice
• Traveling directly between matches/activities and the Person’s
residence or place of employment
• Staying away from the Insured’s home during a tour
• Engaging in administrative or organised social activities of the
Insured
Liability Coverage
• Liabilities arising out of the Insured’s Sporting Activities
• Definition of Sporting Activities:
A club, association, or other entity playing or administrating
Rugby Union and includes all official activities connected with
the Sport including club social and fund raising activities.
• A clubhouse or Sports pavilion with a liquor license used by members
and guests will be covered
• Presentation nights, annual balls, dinners, fund raising are covered if
organised by the club for the benefit of the club
Liabilities Excluded
• Activities relating to a Licensed Club
• Property Owners liability where premises are hired out for
non-rugby functions or activities
What Benefits are Covered?
Sports Injury – provides coverage for injuries incurred accidentally
whilst playing, training, officiating and administering rugby
Section A:
Section B:
Section C:
Death and Permanent Disability
Weekly Benefits (Loss of Income)
Non-Medicare Medical Expenses
Section A
Death and Permanent Disability
This section provides a lump sum benefit to insured’s who suffer
permanent injury or death
Maximum sum insured is
Death cover is limited to
Death cover is limited to
$300,000
$100,000
$10,000 if under 18
There are percentages payable for various levels of disability
Section B
Weekly Benefits (Loss of Income)
• Benefit of $250 per week, with a 28 day excess
•
Income Earner - 80% of average weekly income up to a maximum of $250 per
week. 28 day excess, 52 week benefit period
•
Non-Income Earner - 80% of domestic help which has been certified as
necessary by a medical practitioner up to a maximum of $250 per week. 14 day
excess, 52 week benefit period
•
Full Time Student - 80% of the actual cost of a home tutor which has been
certified as necessary by a medical practitioner up to a maximum of $250 per
week. 14 day excess, 52 week benefit period
•
Parents Inconvenience Allowance – Reimbursement of parents expenses
incurred in visiting a hospitalised injured person who is a full time student or is
under the age of 25 years. The benefit payable is $100 per day up to a maximum
of $2,000. No benefit is payable for the first two days of hospitalisation.
Section C
Non-Medicare Medical Expenses
Limit $2,000, with a $250 excess
This section provides payment of 80% of non-Medicare medical
expenses after any reimbursement from a health fund.
Non-Medicare medical expenses are those medical expenses that are
not subject to any full or partial Medicare Rebate.
The ARU strongly recommend that separate Private Health Insurance
be taken out,
The Australian Health Act prevents insurers (other than Private Health
Insurers) to provide cover for any medical expense covered or partly
covered by Medicare (Doctors and X-rays).
Not Claimable
•
Doctors Fees
•
Surgeon and Anaesthetists fees
•
X-ray costs
The Australian Health Act prevents insurers (other than Private
Health Insurers) to provide cover for any medical expense covered
or partly covered by Medicare (Doctors and X-rays).
Claimable
•
Private hospital accommodation fees, theatre costs, including
drips and pins
•
Physiotherapy and chiropractic (referred by doctor)
•
Pharmacy
•
Ambulance
•
Dental
•
Hiring of artificial aids such as crutches
Conditions to Non-Medicare Expenses
•
Expenses incurred after 12 months from the date of the injury
are not covered
•
Expenses covered under this section must be certified
necessary by a legally qualified medical practitioner
•
Reimbursement must first be sought from any applicable
Health Fund provider and/or other insurance scheme/plan
•
Expenses incurred after the injured person resume playing
rugby are not claimable – including physio
What Injuries Are Not Insured?
•
Injuries which occur outside the policy period
•
Injuries arising out of pre-existing injuries
•
Injuries arising out of AIDS, HIV, childbirth or pregnancy
•
Injuries arising out of the insured person engaging in air travel
except as passenger in any properly licensed aircraft
•
Deliberately self-inflicted injury or suicide
•
Injuries arising out of War, invasion, acts of foreign enemies
•
Injury caused as a result of any Heat-stroke, sickness or disease
and/or Cardiac or Pulmonary or Cerebrovascular incident
notwithstanding that such incident may have been caused by or
induced by or accelerated by Injury
Sports Public and Products Liability
Limit of Liability
$10,000,000
Excess:
$1,000
Certificates of Currency are available for all clubs.
- Interested parties can not be noted on the certificate
Excludes claims arising from actual participation by a person in Rugby or
training for Rugby where the injury or damage is caused or allegedly caused by
another participant.
Sports Professional Indemnity
Limit of Liability
$10,000,000
Excess
$1,000
This section provides coverage for the Insured’s legal liability for breach of
professional duty in sport by reason of an act, error or omission committed by
or on behalf of the Insured.
This policy excludes claims arising from a Player against a Player, however,
persons coaching, refereeing, officiating or supervising Rugby or training for
Rugby are afforded cover under this section for actions taken against them by
Players.
Claims Procedures
As a loss control procedure, clubs/players are required to phone our
office to request claim forms. We can either post or email these directly.
Claims are administered by GAB Robins and all claim forms are to be
sent directly to them.
GAB Robins
PO Box 1438
PARRAMATTA NSW 2150
Claim forms are to be sent to GAB Robins within 30 Days of the injury
occurring.
Claims Cont.
• Club Secretary to obtain original ARU Sports injury report form
• The player is to fully complete the claim form and return to Secretary
• Club Secretary is to sign and verify details of claim and ensure full
completion
• Club Secretary to send the claim form to GAB Robins
• Player to submit paid accounts and Health Fund rebate statements
• Loss of Income claims to include:
• Employee completing section of the form
• Doctors certificate certifying the period of disability
• Fully completed Attending Physician Statement
• If player self employed, proof of earnings such as tax return
2004 Levy Cost Per Team
• Seniors
$2,000
• Juniors
$175
• Women’s 10s
$900
One-Off Covers
• A request for a one-off match, carnival or short competition
• Cover is available subject to:
• The event is sanctioned by the QRU
• Most players are existing ARU registered players
• The game is controlled by an accredited referee
• The game is played under ARU rules
Agreement from the Insurers is required prior to event being
covered
Top-Up Cover
• Top-up Cover can be arranged on a team or individual basis for
weekly benefits and medical expenses cover.
•
Capital benefits cannot be topped up
•
Excesses cannot be varied
Gow-Gates Insurance Brokers Pty Ltd
• Formed in 1963
• One of the largest Australian owned insurance brokers employing in
excess of 70 people
• Totally independent
• Licensed to operate in Australia and Lloyds
• NIBA member
• NSW Metropolitan Broker of the Year 2000
• Zurich Broker of the Year 2003
Contacts at Gow-Gates
Telephone: 02 9267 3199
Fax: 02 9261 3755
Anton Gelbart
[email protected]
Robert Lawson
[email protected]
Evelyn Shih
[email protected]
Rebecca Fleming
[email protected]
Vicki Baker
[email protected]
Prashant Anand
[email protected]