Match Day Checklist (PDF, 147KB)Frequently Asked Questions
What is the Period of Cover for the National Program?
1st January 2008 at 4pm Local Standard Time to 1st January 2009 at 4pm Local Standard Time.
How do I join the National Program?
Coverage is automatically provided to every league and club throughout Australia that is directly affiliated with its State/Territory Association/League.
How do I pay for this insurance?
The insurance premiums are calculated on a per club and team basis and paid directly to your local association/league. JLT Sport do not collect any insurance premiums directly from associations/leagues or clubs.
How can we prove that we have Public Liability Insurance?
If you are asked to provide proof of insurance by anyone (e.g. local council or a property owner) you will require a Certificate of Currency. Certificates of Currency are available on this website by clicking here.
Is the Association/League/Club covered for any fundraising events that we may have throughout the season?
Yes, Association/League and Club fundraising activities are automatically covered under the National Program. If however, your proposed activity involves any of the following please contact JLT Sport to ensure that cover can be confirmed with the insurer prior to the activity:- 4WD rallies, jumping castles, water activities, aircraft, fireworks, livestock, rides of any kind, large crowds or events involving security personnel.
Are our committee members covered?
Association/League and club committee members are covered for any Wrongful Act committed in their capacity as office bearer. Wrongful Act includes any error, mis-statement, misleading statement, act, omission, neglect or breach of duty. Your Association/League/Club must be an incorporated body to gain access to this coverage. Committee members are also able to lodge a claim under the Personal Accident Policy if they are injured during a club activity.
Is the Association/League/Club covered if we discover that one of our committee members has been stealing money from the accounts?
Yes, the Employee Theft coverage section under the Club Management Liability policy covers the clubs, affiliations and associations/leagues for losses suffered as a result of theft or forgery by any identifiable employee (including volunteers) whilst in the regular service of the club, affiliation or association/league.
Are external contractors working on our premises covered?
No, external contractors should carry their own public liability insurance.
Are umpires covered under the National Program?
Volunteer umpires at club level are automatically covered under the National Program at the same level of cover as the club.
League appointed umpires or separate umpiring associations directly aligned with the National Program (e.g. direct relationship with Insured Association/League) are automatically provided with Bronze cover unless the Association/League itself have upgraded to a higher level (i.e. Silver or Gold). Such umpiring associations also have the opportunity to upgrade to Gold coverage and/or take out Loss of Income coverage separately. An Upgrade Form can be obtained by contacting JLT Sport on 1300 130 373.
All umpiring groups including club volunteers, league appointed umpires and separate umpiring associations are covered for Public Liability Insurance in respect to the activities of the Insured only.
Where can I find a Personal Accident claim form?
A claim form is located on this website by clicking here.
When should I send in a Personal Accident claim form?
A claim form should be completed and submitted as soon as you become aware that you will be making a claim and within 180 days from the date of injury. You do not have to wait until after you have completed treatment for your injury.
Do I need a claim number before submitting my claim?
No, you will be issued with a claim number shortly after the claim has been lodged. This claim number can then be used on any further documentation that needs to be submitted in order to support your claim.
Is the Medicare Gap claimable under the Personal Accident Policy?
No, the Health Insurance Act (Cth) 1973 does not permit the Trustee or Insurer to contribute to any charges covered by Medicare (including the Medicare Gap).
This means that any charges for treatment from a Doctor, Surgeon, Anaesthetist or Surgeon's Assistant are not covered. It also means charges for X-Ray, some MRI Scans (if Medicare registered) and Public Hospitals are not covered. In addition, there will be no refund in respect of:
- any expenses recoverable by You from any other insurance scheme or plan providing medical or similar coverage or from any other source except for the excess of the amount recoverable from such other policies/plans.
- any expense to which the National Health Act (Cth) 1953 or any of the regulations made there under apply.
What level of cover do I have (i.e. Bronze, Silver or Gold)?
Every football club in Australia is automatically provided with the Bronze level of cover (except clubs in the Victorian Country Football League who all begin the season with Silver cover). Individual clubs then have an option to increase this coverage to Silver or Gold throughout the season. Please contact your club secretary to confirm what level of cover you have or alternatively, please contact JLT Sport on 1300 130 373.
How do clubs arrange to upgrade their Non-Medicare Medical coverage to Silver or Gold?
A 'Top-up Acceptance Form' is available on this website by clicking here. Clubs needs to nominate the number of teams that are to be upgraded and then send the upgrade form (along with payment) to JLT Sport. Any upgraded cover is only effective from the date the upgrade form and payment is received.
Does my club have Loss of Income Coverage?
Loss of Income coverage is an optional extra that clubs can elect to purchase. It is not automatically provided as part of the standard cover available under the National Program. Please contact your club secretary to confirm if this coverage has been taken out for the 2006 season or alternatively, please contact JLT Sport on 1300 130 373.
How do clubs arrange to purchase Loss of Income coverage?
A 'Top-up Acceptance Form' is available on this website by clicking here. Clubs needs to nominate the number of teams and the amount of coverage that is required and then send the upgrade form (along with payment) to JLT Sport. Any upgraded cover is only effective from the date the upgrade form and payment is received.
What is the Excess / Elimination Period under the Personal Accident Policy?
There is a different excess amount payable for each level of cover in respect to making a claim for non-medicare medical treatment; Bronze - $100, Silver - $75 and Gold - $50. This amount will be deducted from any reimbursements that you are entitled to. If you are making a loss of income claim you are subject to a 14 day elimination period which also takes into account any accrued sick leave or other entitlements. This means that any loss of income during this period is not claimable.
Is the cost of Ambulance Transport covered under the Program?
Yes, Ambulance transport is a non-medicare medical expense and as such covered under the Personal Accident section of the Program (up to the limits that you are entitled to). It is important to remember that the cost of ambulance transport is expensive and may exhaust your total benefits, therefore not allowing you to claim any further non-medicare medical treatment. We encourage all participants to become members of their State Ambulance Service to ensure 100% coverage.
Can I claim on my Private Health Insurance as well as the National Program for personal injury claims?
The two policies will work together. You must initially claim on your Private Health Insurance and then use the National Program to act as a safety net for any non-medicare medical costs that exceed the limits of your Private Health Insurance. Please note that you cannot claim the same costs twice.
Can I claim loss of income benefits if I only work on a casual basis?
Yes, you can claim loss of income benefits if you work on a full time, part time or casual basis (if your club has elected to purchase this coverage). You will need to have your employer complete the loss of income section of the claim form.
Can I make more than one claim during the season?
Yes, you can make more than one claim during the season. It is important however, that you obtain a clearance from your treating physician prior to returning to playing football.
Is Buildings Insurance (i.e. fire and theft) provided under the National Program?
No, your premises and its contents are not covered under this Program for any material damage or theft. If you would like a quotation for this type of insurance please contact JLT Sport on 1300 130 373.
Are the contents of our premises covered under this Program?
No, Contents Insurance is not part of this Program. We can however, arrange a quotation for you upon completion of a brief questionnaire.
What is the purpose of completing Match Day Checklists?
Checklists are now part of the overall Risk Management culture for each club. They are an important part of the national program and the result of their completion is to ultimately reduce the risk of injury to participants, spectators, organisers and the general public. It is a condition of the program's Public Liability policy that clubs and associations support this initiative. The main aim is to create awareness of situations that may contribute to an injury and rectify them where possible.
What do we do if the playing conditions change during a game or during the day?
If the conditions change during a game or at another time during the day common sense should prevail and the checklist process should be revisited. The full extent of the checklist process would probably not be required at this stage, however just because the form has been signed earlier indicating that conditions were safe to play, it shouldn't mean that play should continue should a danger to participants arise at a later stage.
In the event that the conditions do change significantly enough for this to be revisited, the situation should either be rectified (e.g. glass removed) or the competing clubs should meet to decide whether conditions are to dangerous to continue with play (eg extreme storm conditions). Ultimately, the responsibility for these situations will rest with the clubs. But once again, common sense should be the over riding factor.
Will I be held responsible if I sign the Match Day Checklist Form?
The intention of the checklist is not to hold club officials responsible should someone get injured. It is simply a form that facilitates a discussion between the clubs about the overall state of the playing condition. By signing the form there is a sense of formalising the process.
For those concerned with this process, we would like to assure you that insurance cover exists under the National Risk Protection Program to protect club officials in the case of wrongful acts or errors. However, club officials still have a duty of care to provide safe conditions for participants.
What if one club declines to sign the Match Day Checklist Form?
If one club declines to sign the form due to dissatisfaction of playing conditions, the risk should be identified and rectified to a standard that provides safe conditions. Once both clubs are satisfied, the form should be able to be signed and play commenced.
If conditions prove too unsatisfactory and are unable to be rectified, common sense should prevail. Play should never commence until safe conditions are available to all participants.
What do I do if I have a complaint about the National Program?
Please address any complaints regarding the Australian Football National Insurance Program to JLT Sport via email or mail: 15/500 Collins Street, Melbourne, Victoria 3000.