Whitford Warriors Amateur Football Club Players Insurance Information
The purpose of this section is to supply players with critical information on the process, entitlements and expectations in relation to submitting a sports injury claim through the club’s insurance arrangement.
The Process:
To begin the process, you will need to visit the below website.
You have the option of downloading the Personal Injury Claim form manually or submitting the Claim Online, select your preference and continue to complete the form.
Information you should have handy when completing the form:
Bank account details for payments (if you wish to include).
Private Health Insurance Information (if applicable).
Contact information for your Club/Centre.
Expected time frames for returning to playing or training.
Times and Dates of the incident that occurred.
Note: You will not be able to save our claim lodgment and return at a later date.
Once complete, the form will need to be submitted to Echelon Australia (Marsh Insurance use Echelon for these sports injury claims)
Email: sportsclaims@echelonaustralia.com.au
Once submitted, you will receive an email from sportsclaims@echelonaustralia.com.au that will provide you with an Online Reference Number and will have attached 3 documents:
Claim Form (this is a summary of the information you have completed in your claim lodgment.
Club Declaration (Print this out, complete this form and get it signed by a committee member of the football club)
Physician Declaration (Print this out, complete this form with the assistance of your doctor/surgeon/physio who is helping you with your injury.
When the Club Declaration and Physician Declaration forms are completed scan them and email them back to sportsclaims@echelonaustralia.com.au and make reference in the email to the Online Reference Number you were provided with.
You will receive an email from Echelon acknowledging your claim. This email will provide you with your claim number that you need to reference in any further correspondence when dealing with your claim.
The next step is to collect all evidence (Invoices and Receipts) of out-of-pocket expenses incurred by you in order to submit these to Echelon via sportsclaims@echelonaustralia.com.au so that they can be considered. Keep everything! But please note that there are items you can and cannot claim under this insurance, which will be referenced below.
Allow a few weeks for the claims to be processed and for you to be contacted back.
You will be contacted and supplied with an itemised list of claimed items, and a total of what you will get back.
However, if you do not hear anything, go to Sport Contact Us | Marsh and submit a query and ensure to quote your Claim Number to speed up the process.
Expectations and Entitlements
This section advises you what to expect to get back, what you can and cannot claim and what you are covered for under the insurance.
Level of Cover: BRONZE
Excess per Claim: $100 (this is subtracted from your payout)
Reimbursement per Claim: You will be entitled to 60% of your total out of pocket expenses on eligible items.
Maximum Reimbursement per Claim: $2,000
Loss of Income: No Income Protection Cover provided.
Death: $100,000
Quad/Para Cover: $1,000,000
Examples of what you can Claim:
Basically, you can claim anything that has not be claimed through Medicare in the first instance. (not limited to)
Medication and Pharmaceuticals.
Equipment Hire (Crutches/braces/rehab equipment)
Physio
Chiro
Dental
Ambulance
Hospital Accommodation
Acupuncture
Osteopathy
Examples of what you CANNOT Claim:
Any GAP payment where you have received a reimbursement from Medicare. (not limited to)
Doctor’s (GP) Visits
Anesthetists
Loss of Income
Important information and disclaimers
Player’s insurance/Injury Cover:
Is not private health cover.
Is not Workers’ compensation cover.
Will not provide a full rebate on injury management.
It is recommended that all players have Private Health Insurance, including Ambulance cover.
It is recommended that all players (in particular, players who own their own business) have appropriate Income Protection.
Note: The information provided in this section is provided to you as a guide and is subject to change at anytime based on any changes to the insurance and insurance providers that the Perth Football League have made arrangements with.
For more information visit the following websites:
Insurance | Perth Football League
AFL National Risk Protection Program | Marsh
For further information/clarification on insurance please contact a member of the Club Committee.
Additional Insurance Information
Private Health Cover:
The Whitford Warriors Amateur Football Clubs encourage all players to have private health cover, in the event of an accident or injury on the field you have piece of mind that you have access to quality care with limited out of pocket expense.
The table below is an example of a player’s potential out of pocket expenses with, and without, Private Health Insurance.
The following information is provided for information purposes only, it is provided to players to assist in making their own informed decision on what cover is right for them. The Whitford Warriors Amateur Football Club is not affiliated with any insurance companies that may be mentioned here.
What is covered by private health insurance?
Private health insurance cover is generally divided into hospital cover, general treatment cover (also known as ancillary or extras cover) and ambulance cover. Ambulance cover may be available separately, combined with other policies, or in some cases is covered by your state government. There are different types of cover that offer different benefits. Check with your health insurer to be sure of exactly what you are covered for.
Hospital Cover
With hospital cover you have the right to choose your own doctor and decide whether you will be treated at a public or a private hospital that your doctor attends. If you are a private patient at a private hospital, you may also have more choice as to when you are admitted to hospital. If you are a private patient in a public hospital, public hospital waiting lists still apply.
Generally, any medical services which Medicare covers and are listed under the Medicare Benefits Schedule (MBS) can also be covered to some extent by private hospital insurance.
What is covered by private hospital policies?
Every health insurer offers policies with different levels of cover. Generally, the more expensive policies cover a wider range of services, while the lower cost policies will limit what services will be covered in a private hospital.
As with any other insurance policy, you can manage your cover by choosing comprehensive cover with higher premiums, or pay lower premiums for reduced cover. You can also reduce your premiums by opting to pay some of the costs through an excess or co-payment.
For more information about hospital cover, see Private Health Insurance Basics.
Ambulance Cover
Medicare does not cover the cost of emergency transport or other ambulance services. You can organise ambulance cover, through a health insurer or from the state ambulance authority. Health insurers may pay for or reimburse you for all or part of your annual subscription to your state or territory ambulance authority or the costs associated with transportation.
What may not be covered?
Ambulance cover can vary. Some insurers provide cover for all ambulance travel, while others only provide for ground travel or have other limitations - for example, they may cover you in your state of residence only, or they may not cover 'call out' fees (when an ambulance treats you at the scene but does not transport you to hospital).
Check with your insurer about which type of ambulance cover best suits your needs.
Questions to ask about your ambulance cover.
Some questions you can ask before joining include:
Will this policy cover me when I'm travelling interstate?
Does this policy cover emergency situations only, or will it cover non-emergency as well? How does the insurer define an emergency?
Will this policy cover me for the ambulance 'call-out' fee if I need ambulance treatment but do not require transportation?
What is the waiting period?
Will I need to make any co-payments towards the ambulance fee?
What types of ambulance transport will this cover - for example, will it cover air ambulance? Will it cover transports provided by state-approved private providers or other private providers?
State Ambulance Service Website for Western Australia - Ambulance and Health Services (stjohnwa.com.au)
General Treatment Cover
General treatment cover (also called ancillary cover or extras cover) provides insurance against some or all costs of treatment by ancillary health service providers. The extent of your cover depends on the type of policy you select and may include services such as:
dental treatment.
chiropractic treatment.
home nursing.
podiatry.
physiotherapy, occupational therapy, speech therapy and eye therapy.
glasses and contact lenses; and
prostheses.
For more about General treatment cover, see Private Health Insurance Basics.
What may not be covered?
Nearly all services covered under general treatment are only covered to a limited extent. There are various limits that may apply, for example a limit per service, per year, or lifetime limits. Some services may not be covered at all.
You should check the Private Health Information Statement about any policy you are interested in, and seek information from your insurer for details of these limitations.
For a list of available health insurers please click on the link below:
Health Insurers (privatehealth.gov.au)
Income Protection Insurance
The Whitford Warriors Amateur Football Clubs encourage players to consider income protection, in the event of an accident or injury. Specifically, players who own and run their own businesses, contract workers, or players who have dependencies.
What is income protection insurance?
Income protection insurance is a monthly benefit paid to replace your income if you're unable to work due to illness or injury.
Typically, payments are capped at 70% of your normal income. If you earn $5000 per month before tax, your benefit would be 75–85% of this, so around $3,500.
This payment is taxed at standard income tax rates. But the premium payments are tax deductible.
Players may find that income protection may be included (or an available option) as part of their superannuation fund, we encourage all players to query their super fund institution to see if they are already covered.
For more information on Income Protect Insurance Providers click on the links below: