VAFA Insurance Information
Non Medicare Medical Expenses – INSURANCE COVER- example
Cover Level *NOTE this depends on your individual club's level of cover- Level 1 - $1,000 Maximum sum insured any one claim:
The percentage of Medical Expenses covered under this section is 50% - ie they will pay 50% of each appropriate bill up to a total of $1000.
The percentage of physiotherapy expenses covered under this Section is:
Visits 1-5 = 95%
Visits 6-10 = 80%
All other visits = 75%
Medical Insurance excess is $50 per claim
Claimable Items Include:
Private hospital accommodation
MRI costs (that do not have a Medicare rebate applied)
Ambulance Transports Costs
Dental Services (to whole teeth only)
Theatre Fees in Private Hospital where Medicare does not apply
Ancillary Medical Procedures
Orthotics, Splints Prosthesis where an Insured Person's Medical Practitioner considers them medically necessary for the treatment of the Bodily Injury
You can make a claim for any injury associated with competing for your club which includes games and training and can claim for multiple different injuries in the same season if required.
John injured his knee playing football – he required an MRI and 7 sessions of physiotherapy for rehabilitation before he returned to the team.
Physio – 7 sessions @ $80 per session $560
TOTAL MEDICAL COSTS $860
Therefore can claim the following on insurance:
Physio sessions 1-5 @ 95% $380
Physio sessions 6-7 @ 80% $128
Other medical expenses @ 50% per invoice (MRI) $150
Less $50 excess per claim - $50
TOTAL CLAIMABLE EXPENSES $608
PROCESS FOR SUBMITTING A CLAIM:
Claims can be lodged online via the insurer’s website www.sportscover.com
under the “claims” section or by entering the following link www.sportscover.com/pa_claim_request.asp
or contact the claims hotline on 1300 134 956.
Claims must be made WITHIN 45 DAYS OF THE INJURY OCCURRING.
Medical costs must then be paid by the player upfront and are then reimbursed through the insurance policy upon the submission of receipts.