Personal Accident

Who is the insurer?

ACE Insurance Limited Australia

What is the Period of Insurance?

1^st September 2008 at 4.00pm Local Standard Time to 1^st September 2009 at 4.00pm Local Standard Time.

Who is covered under this policy? (The Insured)

Gridiron Australia and all affiliated Leagues / Associations and Clubs, including all playing members and non-playing officials (i.e. umpires, side-line staff).

Who can make a claim?

A claim can be made by any person who is a registered playing member of an affiliated Gridiron Club, or a declared non-playing official who has been injured whilst playing, training or participating in Gridiron related activities.

What does this policy cover me for?

This policy provides protection for Capital Benefits (Lump Sum Benefits), Loss of Income, Non-Medicare Medical Expenses and other benefits.

What are some of the general exclusions on this Policy?

The policy will not provide cover in some circumstances nor for some injuries. Some of the main exclusions under this Policy include:

• Injury resulting from training or participating in professional sport of any kind;
• Injury resulting from any intentional self-injury or suicide;
• Injury resulting from any illegal or criminal act;
• Injury resulting from pregnancy or childbirth;
• Injury resulting from any prexisting medical condition;
• Injury resulting from or in complication of infection with HIV or any variance including IDS

This is a summary of cover only and does not purport to contain all policy terms, conditions and exclusions. Please refer to the Policy Wording for full details.