- All registered participants (not just the players) at your Club are covered by the Rugby Australia insurance programme. Players and volunteers should all be registered on Rugby Xplorer
- The programme doesn’t cover any expenses that are covered in anyway by Medicare (so for example physio expenses can be claimed but not the gap between a surgeons fees and the Medicare rebate).
- There is an excess payable on certain claims.
- The claims process for participants starts with notifying Rugby Australia of the injury via the link Serious Injuries | Rugby Australia
Insurance FAQ answered by the insurance provider
The Rugby National Risk Insurance Programme is arranged by Aon Risk Services Australia Limited (‘Aon’) in partnership with Rugby Australia Limited (‘RA’) on behalf of all the member unions, clubs and participants nationwide and provides basic cover for participants who suffer injuries arising out of participation in Rugby and Public Liability, Professional Indemnity and Management Indemnity insurance for Clubs.
Participation in the programme is compulsory for all Clubs competing in competitions managed by the RA and/or Member Unions, and a National Participant Insurance Levy is payable by participants upon registration.
The program covers all players, coaches, trainers, managers, administrators, voluntary workers, selectors, referees, touch judges, ball boys, medical officers, physiotherapists and ambulance officers; and all directors, officers, employees, executive officers, office bearers, members and committees of the Club or Union.
Cover extends to players while – Playing in official club or representative matches. As well as: organised training, travelling between home / work and training or games, staying away from home for a tour, and administrative and social activities of the Club / Union.
Players who are not residents of Australia and playing for your club will be eligible for claims under the Non-Medicare Medical Expense section of the Rugby National Risk Programme, however they may not be protected (depending on their individual circumstances) under Medicare, potentially leading to uninsured and/or non recoverable medical expenses.
It would be prudent to explore what separate medical cover is available for overseas players who are not entitled to Medicare. Consideration should also be given to cover for injuries which may occur outside their duties for your club as well as illness.
Details of reciprocal health care agreements can be found at Services Australia.
Overseas players not entitled to Medicare should obtain appropriate travel insurance before travelling to Australia or take-out private health insurance whilst in Australia tailored for non-residents. Some of the Private Health Funds offer cover for overseas residents, information can be found on their websites.
It is recommended that additional Travel Insurance be effected for all players, coaches and officials when traveling on overseas rugby trips connected with the club. Note that general travel policies may not extend to medical or related expenses when playing rugby, so a tailored policy may be required.
More information on Travel insurance
Your club will often be required to provide a Certificate of Currency to provide evidence of your Public Liability insurance.
Request your Certificate of Currency for your rugby club
Steps to make a claim against the Personal Injury policy
Step 1 Complete the Rugby Australia Injury Report form and select ‘Yes’ to Make Insurance Claim. Please note players participating in School based competitions are not eligible to make an insurance claim.
Step 2 Confirmation of your injury report form submission will be sent via email to the relevant Club/Union/Event contact.
Step 3 The Claims Manager will provide instructions on how to complete the claim lodgment to the players email address noted in the Injury Report form.
Step 4 The Claims Manager will contact you for more information if necessary. Depending on the nature of the claim, this may include: - Club Secretary Declaration - Employer Declaration - Medical Certificate(s)
Step 5 If your claim is approved, Payment or Payments will be made via EFT to your nominated bank account.
https://ra.aon.com.au/clubs-associations/certificate-of-currency
If you wish to make a claim or notify an incident for General Liability, Professional Indemnity or Management Liability, please contact Aon. 1300 405 563 ra.aon.com.au rugbyteam@aon.com
Special Event, Travel and Other Insurances
In the unfortunate circumstance that something happens to your clubhouse or club storeroom, your vital gear and equipment may not be covered for loss.
