Australian Football – National Risk Protection Programme

Personal Accident

Who issues this cover?

JLT Group Services Pty Ltd (JGS) is the product issuer and the Trustee and Scheme Manager of the JLT Discretionary Trust (JDT) Arrangement. JGS (ABN 26004485214 Authorised Representative Number 274831) is a wholly owned subsidiary of Jardine Lloyd Thompson Pty Ltd.

The JDT Arrangement is a managed investment scheme made up of two parts:

1. Scheme Cover – A discretionary part which is not insurance; and
2. Insurance Cover – An insurance policy purchased by the Trustee for the JDT Arrangement and its Members. This policy is issued by Accident & Health International Underwriting Pty Ltd (AHI). AHI act as agent for Allianz Australia Insurance Ltd.

Please read the Summary of Key Information below.

What is the Period of Cover?

1^st January 2008 at 4pm Local Standard Time to 1^st January 2009 at 4pm Local Standard Time.

Who is covered?

The JLT (Australian Football National Protection Program) Discretionary Trust Arrangement and its Members: Australian Football Clubs, Affiliations and Associations/Leagues of each State and Territory (excluding the 16 National Clubs forming the National AFL competition) including all members, regional boards, players, officials, volunteers, trainers, runners, umpires, coaches, directors, officers, committees, sub-committees and work experience students.

What is covered in Personal Accident?

Capital Benefits, Non Medicare Medical Expenses (including other benefits) and optional Loss of Income and Paraplegia/Quadriplegia events.

When and where are you covered?

1. Playing in club and representation games, competitions or performances.
2. Participating in club or league training or practice sessions or official functions.
3. Travelling directly to or from club and representative games, competitions or performances, training or practice sessions or official functions (limited to 20% of the limit of cover).
4. Engaged in activities connected with football whilst staying away from Your home during a tour for the purposes of participating in representative matches.
5. Engaged in organised club or league social or administrative activities.

What extensions apply?

The major extension to the program is as follows:

If the club member is aged 30 years or under, not only do they receive cover for all of the benefits listed within the Personal Accident Policy, they also receive Cardiovascular Accident coverage if they suffer a heart attack.

Cover exists provided that:

1. You are not aware of any congenital defect or existing condition which would render you more than normally susceptible in any way to such “heart attack”; and
2. You suffer the “heart attack” whilst actually engaged in club or league training or participating in an official game or competition.

If the club member is aged 25 years and under this coverage is limited to 50% of the capital benefit.

If the club member is aged 26 to 30 years this coverage is limited to $50,000.

If the club member is aged 31 years or over, this extension does not apply.

Summary of Key Information about the JDT Arrangement

A. Scheme Cover

The Scheme Cover is not insurance but a discretionary trust. For any loss in excess of the Scheme Cover, the Insurance Cover may come into play (see “B. Insurance Cover”). Claims made within the Scheme Cover are determined at the Trustee’s discretion.

If the Trustee’s discretion is applied in the Member’s favour, the Trustee will pay for losses up to the Scheme Cover limits after application of the Individual Member’s Deductible.

B. Insurance Cover

The Insurance Cover purchased by the Trustee for the JDT Arrangement and its Members provides cover for a claim which is:

• In excess of the Individual Member’s Deductible and the Scheme Cover; and
• Covered by the Insurance Policy terms and conditions and which is not subject to the Trustee’s discretion.

Any loss that is not covered by the Scheme Cover and/or the Insurance Cover will be borne by the Member.

The Aggregate Limit of Liability for all claims in respect of any one injury or series of injuries to any number of persons arising out of any one occurrence shall not exceed $10,000,000.

Claims Notification Period

In order that claims reported to the Trustee will not be prejudiced due to late notification, you must notify Echelon of any claim or potential claim for the period 1 January 2008 to 1 January 2009 within 180 days from the date of injury. The JDT Arrangement set up for the period 1 January 2008 to 1 January 2009 will close 6 months after the expiry date (i.e. by 1^st July 2009).

Please note that this relates to claims notified under the Scheme Cover only and does not apply to the Insurance Cover whose time limits are determined by the Insurance Policy and relative legislation.

What are the costs for managing Personal Accident claims?

Claims are managed by Echelon who charge $155 per claim paid out of the total annual contributions to the Capital Benefits, Non-Medicare Medical Expenses, Loss of Income and Umpires programs.

What are some of the major exclusions in the Personal Accident Insurance policy?

This cover will not apply to events which result from specific causes. The following are examples of excluded causes that could affect You:

1. Sickness or disease including mental conditions;
2. Being under the influence of alcohol or a drug other than a drug administered or prescribed by and taken in accordance with instructions from a qualified medical practitioner;
3. Any criminal act committed or attempted (including criminal assault);
4. Playing football against medical advice;
5. Air travel except as a passenger in a licensed aircraft owned/operated by a recognised airline over an established air route;
6. Any pre-existing injury or medical condition;
7. Pregnancy, childbirth or miscarriage or any complications; and
8. Travel related claims in circumstances where You are entitled to claim benefits under any State or Commonwealth Act.

The information above is a brief summary only. Please refer to the JDT Scheme Rules and the Insurance Policy for details of cover, rights and obligations, terms and conditions. These documents are located on the Important Documents page or by calling 1300 130 373.