INJURY

If you are injured, your registration with the club entitles you to basic personal injury insurance. Our insurance policy does not just apply to injuries sustained during matches – you are also covered if you are injured during training, practice matches, while volunteering and at club-related activities. All registered players are covered, as well as coaches, umpires and volunteers.

A $100 excess applies to each claim, which means that you will have to pay $100 of your treatment costs before any reimbursements will be applied. Above that, you are entitled to a 50% reimbursement of treatment costs covered by the policy. There is a $2,000 maximum entitlement per claim. Services covered by Medicare are not claimable.

It should be noted that the insurance provided is considered basic and, therefore, we recommend that you consider your personal circumstances and if you would benefit from purchasing additional private insurance cover. If you have private health insurance, the club’s policy is designed to act in addition to such policies. That is, you claim from your own insurance policy first, and then from the club’s insurance policy to try to cover any remaining costs.

Income protection

Our policy does not include income protection. If your injury prevents you from working, our insurance does not cover your wages. We recommend that you take out income protection insurance. This is particularly important if your job is physically demanding, however injuries such as severe concussion can also significantly impact a person’s ability to work in non-physical or office-based employment.

Ambulance cover

Ambulances are expensive, ambulance cover is not. Our insurance policy only covers 50% of ambulance costs, which can be in excess of $1,200 per trip. WBAFC strongly advises all players and members to have ambulance cover.

Membership with Ambulance Victoria entitles you to full coverage of the cost of ambulances. Membership only costs $48.35 per year and can be paid in quarterly instalments of $12.09. Sign-up now.

Questions?If you have any questions about the insurance cover or how to make a claim, please talk to our Injury Liaison Henry Paez.