Player Insurance & Injury Claims

Important information about your insurance coverage and the claims process

Your Insurance Coverage

All registered Footscray Rugby Club players are covered by Rugby Australia's insurance policy. This coverage is included in your annual membership fees and provides protection for injuries sustained during:

• Official club training sessions
• Sanctioned matches and games
• Club-approved rugby activities

What's Covered

🏥

Non-Medicare Medical Expenses

100% up to $3,000

Covers private hospital, physiotherapy, chiropractic, dental (sound and natural teeth), and similar registered medical services

$100 excess applies (except ambulance)

💼

Loss of Income

$300 per week for 52 weeks

Capped at 100% of your average weekly income from the 12 months prior to injury

28-day deferral period applies

Requirements for Loss of Income Claims:

• Employment Declaration: Your employer must complete employment details, or provide proof of earnings if self-employed
• Tax File Number: Must submit TFN Declaration form to secure email
• Medical Certificates: Required every 4 weeks - no backdated certificates accepted
• Return to Work: Must provide clearance certificate when returning to work

How Payments Work:

• Deferral Period: No payment for first 28 days off work
• Maximum Duration: Up to 52 weeks of payments
• Income Cap: Cannot exceed your actual weekly earnings
• Ongoing Requirement: Must remain under regular medical care

✈️

Travel & Accommodation

80% up to $2,000

Fuel/airfare for trips over 100km round trip to medical treatment

Accommodation capped at $150 per night

🚑

Ambulance Services

100% coverage

Emergency transport expenses with no excess

No $100 excess applies to ambulance

Important Conditions

• Medicare Exclusion: No coverage for expenses that Medicare covers (prohibited by law)
• Time Limits: Medical expenses must be claimed within 12 months of injury
• Doctor Referral Required: Referrals must be obtained BEFORE treatment begins
• Private Health First: You must claim from private health insurance before submitting to SLE
• Medical Certificates: Required every 4 weeks for loss of income claims (no backdated certificates)

How to Make an Insurance Claim

⚠️ Important: You must report your injury within 30 days of the incident to be eligible for coverage.

1

Report Your Injury Online

As soon as possible after your injury, complete the online injury report at:

Report Injury to Rugby Australia

This will generate a claim number - save this number as you'll need it for all correspondence.

⚠️ You cannot proceed with your claim without a claim number. This must be completed first.

2

Visit a Doctor for Medical Statement

Book an appointment with a doctor who will complete the RA Medical Statement to verify your injury and treatment requirements.

🩺 RA Medical Statement Form Download and bring to your doctor appointment

The doctor will assess your condition and complete the medical documentation needed to support your claim.

⚠️ This must be completed by a qualified medical doctor. Physiotherapists, chiropractors, or other non-doctor practitioners cannot complete this form.

3

Download and Complete Required Forms

Once your medical statement is completed, download and fill out the following forms:

📄 Information for Claimants Read this first - contains important claim instructions 📋 RA Club Declaration Form Must be signed by club official 📝 RA Employment Details Form Required for loss of income claims only

4

Submit Your Claim

Submit all completed forms, medical statement, and supporting documentation. Once verified and approved, you'll gain access to the insurance policy benefits.

• Include your claim number on all correspondence
• Keep copies of all submitted documents
• Wait for claim approval before accessing benefits

Need Help?

If you need assistance with your insurance claim or have questions about the process:

• Contact the club's insurance officer during training hours
• Email the committee for urgent matters
• Refer to the Rugby Australia insurance helpline (details in claim forms)