Insurance

Risk

This is a formal “Risk Warning” pursuant to Section 5M of the Civil Liability Act 2002 (as amended) addressed to all persons who participate in “recreational activity” comprising cricket games for or against the Cricketers’ Club of New South Wales, Inc.

Playing cricket may be injurious to your health:

  1. There is the risk of injury or damage to your person or property from the impact of a hard cricket ball or generally from engaging in or being associated with batting, bowling, fielding or umpiring during play or practice.
  2. There is the risk of collision with other players on the field during play or practice.
  3. There is the risk of injury arising from ground conditions or the placement of boundary fences, sightscreens etc or weather conditions such as bad light, rain, heat or thunderstorm during play.
  4. There is a risk of damaging your health by play or practice. Personal risk factors could include matters such as blood pressure, heart condition, smoking, obesity, or general lack of fitness. These may be aggravated by playing, especially in humid or hot weather.

If you are in any doubt about your physical fitness to play, you should consult your doctor, and not play unless your doctor’s advice is positive. If you choose to play, be aware of the risks and accept responsibility for your own welfare. You may consider these risks to be obvious but in the light of the provisions of the Act, the Club considers it has little option but to advise you formally.

JLT INSURANCE

Programme Summary

The Cricket Australia National Club Risk Protection Programme (“The Programme”) is a joint initiative of Cricket Australia and its State Bodies and has seen a number of benefits provided to cricket clubs throughout Australia. It is designed to save clubs time, effort and money and provide enhanced cover and services for the cricket community.

General Enquiries

For basic information regarding the National Club Risk Protection Programme, please refer to the What’s Covered section of the JLT web site.at https://cricket.jltsport.com.au/player/cover-summary

For further assistance regarding cover and general enquiries about the Programme:

Please call JLT Sport on 1300 130 373

Email: jltsport@jlta.com.au

JLT Sport is a division of Jardine Lloyd Thompson Pty Limited (JLT). JLT Sport is the appointed broker for the Australian Cricket National Club Risk Protection Programme

AUSTRALIAN CRICKET NATIONAL CLUB RISK PROTECTION PROGAMME

Players registered with an affiliated Cricket Club enjoy the benefits of coverage under a Personal Injury policy, however there are three very important points players should be aware of.

  1. PERSONAL INJURY COVER CAN PAY FOR NON-MEDICARE

MEDICAL EXPENSES

‘Non-Medicare’ means medical costs that can’t be claimed through Medicare. Items include physio, chiro, dental, ambulance transport and private hospital accommodation.

  1. PERSONAL INJURY COVER IS NOT PRIVATE HEALTH INSURANCE

It is law that Medicare items can’t be claimed on Personal Injury cover. These items can be claimed on Private Health Insurance and include services such as doctors and surgeons.

  1. PERSONAL INJURY COVER IS NOT INTENDED TO BE LIFE INSURANCE

Personal Injury cover is a policy for injuries occurring due to an accident. It is not a sickness or illness policy

BENEFITS

The Personal Injury cover includes:

  1. 85% reimbursement of non-Medicare expenses
  2. $5,000 maximum per claim
  3. $50 excess
  4. Capital Benefit maximum $100,000
  5. Quadriplegia/Paraplegia maximum $250,000
  6. Up to $500 maximum Loss of Income per week
  7. 14 day elimination/waiting period

RECOMMENDATIONS

It is strongly recommended that all players investigate their personal insurance needs. Players should consider the benefits of:

  • Private Health insurance
  • Life Insurance
  • Loss of Income (particularly for self-employed players)

Coverage

This Programme provides coverage 365 days of the year with an annual renewal date of 30th June.

What’s Covered

In general, all cricket activities are covered. This includes matches, training, functions, meetings and the like (anywhere in Australia). The Programme provides competitively broad protection across the following areas:

Personal Injury*
Who is Covered?
Members of the JLT (Australian Cricket) Discretionary Trust including players, umpires, volunteers etc.
Coverage Limits & Excess
Capital Benefits

$100,000 maximum

$250,000 maximum Quad/Para

Non-Medicare Medical

85% reimbursement

Maximum $5,000 per claim

$50 excess per claim

Loss of Income

Insurer/Issuer
JLT (Australian Cricket) Discretionary Trust (JDT) Arrangement

∗ Refer to the policy wording to find out exactly who’s covered, detailed policy benefits and exclusions.

∧ The excess period applicable is 14 days, unless your sick leave balance exceeds this, in which case your sick leave balance becomes your excess period.

Making a Claim

Personal Injury Claims

Option 1 – Complete Online

Submit your claim online.

Complete and submit all personal information and injury details relating to your claim online.

Following your online claim lodgement, JLT Sport will email you 3 separate Declarations that need to be completed and signed by your Club, your treating Physician and/or your Employer.

The Declarations can be printed and filled in manually or emailed straight to the relevant person for them to print, complete and return to the Insurer on your behalf.

If you have any questions about this process please contact JLT Sport on 1300 130 373.

Option 2 – Complete Manually
  1. Download the Personal Injury Claim Form
  2. Complete all relevant sections of the form.
  3. Send your completed form to Echelon as soon as possible (and within 270 days from the injury date).
  4. Echelon will confirm receipt of your claim and provide you with a claim number.
  5. Any further costs can be submitted to Echelon quoting this claim number.
  6. Documents can be submitted by email, post or fax.

Important Information

The Health Insurance Act (Cth) 1973 does not permit the Trustee or Insurer to contribute to any charges covered by Medicare (including the Medicare Gap).

 

 

Examples of Non-Medicare Medical items. Examples of items covered by Medicare.
  • Ambulance
  • Physiotherapist
  • Dental
  • Private Hospital Accommodation
  • Chiropractor
  • MRI Scans*
  • Doctor
  • Surgeon
  • Surgeon’s assistant
  • Anesthetist
  • X-rays
  • MRI scans*
  • Public Hospitals

*Please note: MRI scans are generally claimable through Medicare, however sometimes the referrer and/or provider is not registered with Medicare. Please check with your treating physician prior to lodging your claim.

In addition, there will be no refund in respect of:

  1. Any expenses recoverable by You from any other insurance scheme or plan providing medical or similar coverage or from any other source except for the excess of the amount recoverable from such other policies/plans.
  2. Any expense to which the National Health Act (Cth) 1953 or any of the regulations made there under apply.

Claim Form   at

Club Management Liability

Club Management Liability covers a range of financial risks for your club’s directors and officers such as costs associated with legal action if sued for:

  • Negligence, libel, slander, defamation, discrimination, etc.
  • Employment related matters (unfair dismissal)

Club Management Liability can also cover some of the costs associated with an employee stealing funds from the club.

If you’re looking for information about this insurance, please select any of the options on the web page https://cricket.jltsport.com.au/club/cover-club-liability

Public Liability

Public Liability covers a range of financial risks including compensation payable to third parties, your legal costs or other costs associated with legal action.

If you’re sued for breaching your duty of care (negligence) your club can lodge a public liability claim through JLT Sport.

If you’re looking for information about this insurance, please select any of the options on the web page. https://cricket.jltsport.com.au/club/cover-public-liability

Relevant Documents

Public Liability Insurance Summary.