FREQUENTLY ASKED QUESTIONS - National Insurance Program
What is the Period of Cover for the National Insurance Program?
Combined General and Products Liability, Personal Accident and Club Management Liability Insurance 1 May 2007 to 1 May 2008 at 4:00pm Local Standard Time (in accordance with Policy Wording)
How does a club join the National Insurance Program?
Coverage is automatically provided to every Association and club throughout Australia that is directly affiliated with its State/Territory Association.
How does the club pay for this insurance?
The insurance premiums are allocated by your State Association. JLT Sport do not collect any insurance premiums directly from swimming clubs. Please refer to your relevant State Association for details regarding your Club’s requirements for payment and affiliation fees.
What cover does the club receive within the National Insurance Program?
- Combined General and Products Liability Insurance (including Errors and Omissions)
- Club Management Liability Insurance (including Employee Theft)
- Personal Accident Insurance (including Non-Medicare Medical Expenses and Loss of Income)
How can the club prove that we have Combined General and Products Liability Insurance?
If you are asked to provide proof of insurance by anyone (e.g. a local council or a property owner) you will require a Certificate of Currency. Certificates of Currency are available on this web site. This facility is offered by JLT Sport and is only available to registered swimming clubs insured under the National Insurance Program.
Is the club covered for fundraising events?
Yes, club fundraising activities are automatically covered under the National Insurance Program. If however, you believe your proposed activity may extend beyond the scope of cover and/or involves any of the following please contact JLT Sport to ensure that cover can be confirmed with the insurer prior to the activity. Some examples are 4WD rallies, jumping castles, water activities (outside of the normal swimming activities), rides of any kind, large crowds or events involving security personnel.
Are the club and participants covered for come‘n’try days, school holiday programs and prospective members?
Yes, prospective members, school holiday programs and come‘n’try days are covered under the National Insurance Program. However, it is important to note that individual participants will only be covered for up to four (4) weeks for Personal Accident claims. To ensure individuals are covered for personal injuries, the participants must be registered. For further information please refer to the Personal Accident section of this web site.
Are the club’s committee members covered?
Subject to the terms of the Club Management Liability Policy, club committee members are covered for Wrongful Acts committed in their capacity as office bearer. Wrongful Act includes any error, misstatement, misleading statement, act, omission, neglect or breach of duty. In states other than NSW, your club must be incorporated to receive this cover. For further information, please refer to the Club Management Liability section of the web site.
Is the club covered if we discover that one of our committee members has been stealing money from the accounts?
Subject to the terms of the Club Management Liability policy, the Employee Theft section of the policy covers the club for losses suffered as a result of theft or forgery by an identifiable employee (including volunteers) whilst in the regular service of the club. For further information please refer to the Club Management Liability section of the website.
Are external contractors working on our premises covered?
No, external contractors should carry their own public liability insurance.
Where can I find a Personal Accident claim form?
Personal Accident claim forms can be downloaded from this web site.
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. You do not have to wait until after you have completed your 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 form 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 Insurance policy?
No. The Health Insurance Act (Cth) 1973 does not permit the 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 is the Excess/Elimination Period under the Personal Accident Policy?
There is no excess in respect to making a claim for non-Medicare medical treatment. If you are making a loss of income claim you are subject to a 7 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 is covered under the Personal Accident Section of the program. 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 insurance policies will work together. You must initially claim on your Private Health Insurance and then use the National Insurance 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 on 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 if you are employed full time, part time or casual. 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 policy period?
Yes, you can make more than one claim within the policy period. It is important however, that you obtain a medical clearance from your treating physician prior to returning to participation in swimming.
Are the contents of our premises (i.e. fire and theft) covered under the National Insurance Program?
No, Contents or General Property Insurance is not part of the National Insurance Program. JLT Sport can however, arrange a quotation for you upon completion of a brief questionnaire. Please contact JLT Sport on 1300 130 173 if you would like to arrange a quotation for Contents or General Property Insurance.
What do I do if a have a complaint about the National Insurance Program?
We have efficient dispute resolution procedures in place to help you. If you have a complaint, you can communicate it to your JLT Adviser in the first instance. Alternatively, you can refer it directly to JLT’s Complaints Manager in writing, by telephone, or via email - whatever is most convenient to you. We will need you to provide us with comprehensive details to help us investigate your complaint further. All information will be treated in the strictest confidence.
We belong to approved external dispute resolution schemes designed to provide independent assistance to you as follows:
- The Insurance Brokers Dispute Limited (1800 064 169) - a free consumer service for the resolution of disputes in relation to insurance brokers and their clients.
- The Financial Industry Complaints Service Limited (1300 780 808) - a free service for consumers with complaints concerning the financial services industry.
Both schemes will then refer the matter to the JLT Complaints Manager for further investigation.
