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:

Physiotherapy

Private hospital accommodation

MRI costs (that do not have a Medicare rebate applied)

Ambulance Transports Costs

Dental Services (to whole teeth only)

Chiropractic

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.

 

For example:

John injured his knee playing football – he required an MRI  and 7 sessions of physiotherapy for rehabilitation before he returned to the team.

 

Medical costs:

Physio – 7 sessions @ $80 per session $560

MRI $300

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.