Presented by Gow-Gates Insurance Brokers

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AUSTRALIAN RUGBY UNION National Insurance Scheme
Presented by Gow-Gates Insurance Brokers
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Important

• The following information is only a
  Overview/Summary of the covers and other aspects
  of the ARU Sports Injury and Liability coverage.
  Before acting on any information contained in
  this presentation you should refer to the full
  Policy Disclosure Statement and Policy Documents
  contained in the 2006 ARU Club Administrators
  Sports Insurance Manual.

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Background

• Is designed to provide cover for Personal
  Accident, Public and
• Products Liability and Professional
  Indemnity for all players
• officials, unions and clubs that are under
  ARU control
• The ARU Funded Deductible was established in 1999
• QBE have been the Insurer since 2001. The actual
  underwriter has insured the scheme since 1996
• Gow-Gates have acted as brokers for the scheme
  since 1996
• Renewal Date is 1st March

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ARU National Insurance Scheme

• Consists of three Coverages
• Sports Injury (Capital, Weekly and Non Medicare
  Benefits)
• - Funded Deductible plus Insurance (the
  Insurance policy
• covers claims when/if the Funded
  Deductible is exhausted)
• Public and Products Liability Insurance
• - Insurance Policy
• Professional Indemnity Insurance
• - Insurance Policy

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ARU National Insurance Scheme

• Covers all players and officials involved in
  Rugby Union throughout Australia, when registered
  with the ARU
• The plan is held by the ARU and extends to
  include various affiliated unions, clubs, players
  and officials

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The ARU Funded Deductible

• This Fund is similar to a self insurance and has
  been designed to pay the majority of Personal
  Injury claims (currently the first 1,600,000 per
  year)
• Achieves reduced administration and normal
  insurance costs (such as Stamp Duty and GST)
• It does not cover Public and Products Liability
  or Professional Indemnity claims.
• QBE Insurance administer fund and it has been
  approved by APRA
• Claims are paid on the same basis as the
  insurance policy.

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Insurance Levy Payments

• All clubs affiliated with the ARU and/or
  various state unions are automatically covered
• An insurance Levy based on team numbers is
  payable by all clubs
• The method of invoicing will be as follows
• Premium funding options are available (contact
  Gow-Gates).

mid-Feb Invoices sent to all clubs based on team numbers from previous year
31 March Payment due on 1st invoice
1 May State Union declaration as to the number of club teams in 2006
15 May Updated invoices sent to respective clubs based on this declaration
30 June Deadline for ALL clubs to ensure arrangement of premium payments (no coverage provided for non-payees after this date).
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Who Is Covered?

• Australian Rugby Union Limited and its members
  and affiliate members, including member clubs and
  associations of the various State members
• All players, coaches, trainers, managers,
  administrators, voluntary workers, selectors,
  referees, touch judges, ball boys, medical
  officers, physiotherapists and ambulance workers,
  and all directors, officers, employees, executive
  officers, office bearers, members and committees
  of the Insured (when registered)

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Those Not Covered

• School teams not playing in ARU Junior
  competitions
• (including schools players in Representative
  teams).
• Golden Oldies
• Social Teams not playing in ARU or underlying
  Union sanctioned competition
• Age limitation for the Personal Accident Policy
• 4-65 years increased to 75 for Administrators

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When Is Cover Provided?

• Engaging/playing in official club
  matches/activities
• Engaging in organised training or practice
• Traveling directly between matches/activities and
  the Persons residence or place of employment
• Staying away from the Insureds home during a
  tour
• Engaging in administrative or organised social
  activities of the Insured
• (Note Includes both Club Representative
  Rugby.)

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Liability Coverage

• Liabilities arising out of the Insureds
  Sporting Activities
• Definition of Sporting Activities
• A club, association, or other entity playing or
  administrating Rugby Union and includes all
  official activities connected with the Sport
  including club social and fund raising
  activities.
• A clubhouse or Sports pavilion with a liquor
  license used by members and guests will be
  covered
• Presentation nights, annual balls, dinners,
  fund raising are covered if organised by the
  club for the benefit of the club

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Liabilities Excluded

• Activities relating to a Licensed Club
• Property Owners liability where premises are
  hired out for non-rugby functions or activities

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What Benefits are Covered?
Sports Injury provides coverage for injuries
incurred accidentally whilst playing, training,
officiating and administering rugby Section
A Death and Permanent Disability Section
B Weekly Benefits (Loss of Income) Section
C Non-Medicare Medical Expenses
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Section A Death and Permanent Disability
This section provides a lump sum benefit to
insureds who suffer permanent injury or
death Maximum sum insured is 300,000 Death
cover is limited to 100,000 Death cover is
limited to 10,000 if under 18 There are
percentages payable for various levels of
disability
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Section B Weekly Benefits (Loss of Income)

• Income Earner - 80 of average weekly income,
  max.250 per week. 28 day excess, 52 week benefit
  period
• Non-Income Earner - 80 of domestic help which
  has been certified as necessary by a medical
  practitioner, max. 250 per week. 14 day excess,
  52 week benefit period
• Full Time Student - 80 of the actual cost of a
  home tutor which has been certified as necessary
  by a medical practitioner, max. 250 per week. 14
  day excess, 52 week benefit period
• Parents Inconvenience Allowance Reimbursement
  of parents expenses incurred visiting a
  hospitalised injured person who is a fulltime
  student or lt25 yrs Max benefit 100 per day and
  2,000 total (2 day excess).

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Section C Non Medicare Medical Expenses
Limit 3,000, with a 250 excess This section
provides payment of 80 of non-Medicare medical
expenses after any reimbursement from a health
fund. Non-Medicare medical expenses are those
medical expenses that are not subject to any full
or partial Medicare Rebate. The ARU strongly
recommend that separate Private Health Insurance
be taken out. The Australian Health Act prevents
insurers (other than Private Health Insurers) to
provide cover for any medical expense covered or
partly covered by Medicare (Doctors and X-rays).
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Not Claimable

• Doctors Fees
• Surgeon and Anesthetists fees
• X-ray costs
• The Australian Health Act prevents insurers
  (other than Private Health Insurers) to provide
  cover for any medical expense covered or partly
  covered by Medicare (Doctors and X-rays).

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Claimable

• Private hospital accommodation fees, theatre
  costs, including drips and pins
• Physiotherapy and chiropractic (referred by
  doctor)
• Pharmacy
• Ambulance
• Dental
• Hiring of artificial aids such as crutches

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Conditions to Non-Medicare Expenses

• Expenses incurred after 12 months from the date
  of the injury are not covered
• Expenses covered under this section must be
  certified necessary by a legally qualified
  medical practitioner
• Reimbursement must first be sought from any
  applicable Health Fund provider and/or other
  insurance scheme/plan
• Expenses incurred after the injured person
  resumes playing rugby are not claimable
  including physio.
• Expenses relating to injuries which did not occur
  during the policy period of insurance are not
  covered.

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What Injuries Are Not Insured?

• Injuries arising out of pre-existing injuries
• Injuries arising out of AIDS, HIV, childbirth
  or pregnancy
• Injuries arising out of the insured person
  engaging in air travel except as passenger in
  any properly licensed aircraft
• Deliberately self-inflicted injury or suicide
• Injuries arising out of War, invasion, acts of
  foreign enemies
• Injury caused as a result of any Heat-stroke,
  sickness or disease and/or Cardiac or Pulmonary
  or Cerebrovascular incident notwithstanding that
  such incident may have been caused by or induced
  by or accelerated by Injury

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Sports Public and Products Liability
Limit of Liability 20,000,000 Excess 1,000
Certificates of Currency are available for all
clubs. - the interest of owners or licencees of
grounds is automatically
included on the policy, the insurer will not note
the interest of other parties
other than these. Excludes claims arising from
actual participation by a person in Rugby or
training for Rugby where the injury or damage is
caused or allegedly caused by another participant.
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Sports Professional Indemnity
Limit of Liability 10,000,000 Excess 1,000 Th
is section provides coverage for the Insureds
legal liability for breach of professional duty
in sport by reason of an act, error or omission
committed by or on behalf of the Insured. This
policy excludes claims arising from a Player
against a Player, however, persons coaching,
refereeing, officiating or supervising Rugby or
training for Rugby are afforded cover under this
section for actions taken against them by
Players.
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Claims Procedures
As a loss control procedure, clubs/players are
required to phone our office to request claim
forms. We can either post or email these
directly. Claims are administered by GAB Robins
and all claim forms are to be sent directly to
them. GAB Robins PO Box 1438 PARRAMATTA NSW
2150 Claim forms are to be sent to GAB Robins
within 30 Days of the injury occurring.
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Claims Cont.

• Club Secretary to obtain original ARU Sports
  injury report form
• The player is to fully complete the claim form
  and return to Secretary
• Club Secretary is to sign and verify details of
  claim and ensure full completion
• Club Secretary to send the claim form to GAB
  Robins
• Player to submit paid accounts and Health Fund
  rebate statements
• Loss of Income claims to include
• Employee completing section of the form
• Doctors certificate certifying the period of
  disability
• Fully completed Attending Physician Statement
• If player self employed, proof of earnings such
  as tax return

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Are Overseas players covered by insurance?

• Yes all registered players are eligible for
  insurance
• However, Medicare eligibility is restricted to
  persons living permanently in Australia who are
  Australian citizens permanent Australian
  residents New Zealand residents and citizens of
  countries with reciprocal health care agreements
• There have been instances of non-Medicare
  recipients being refused treatment at a public
  hospital, unless a financial guarantee was given
  by their Club or Union to cover their expenses
• To avoid this, clubs should ensure players hold a
  current Australian Medicare Card or a passport
  from a Reciprocal Health Care country
• If not, the player should have appropriate travel
  insurance or take-out private health insurance
  whilst in Australia tailored for non-residents
• For more info visit www.medicare.gov.au/

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Overseas Rugby Tours ?

• The ARU Sports Injury covers anywhere in the
  World
• Public Liability and Professional Indemnity
  covers anywhere in the World except USA and
  Canada.
• As the ARU Injury cover is limited to 3,000 and
  does not cover illness it is recommended that
  additional Travel Insurance is effected. Travel
  Insurance policies generally provide high limits
  of medical expense coverage as well as other
  covers such as baggage, money, loss of deposits,
  cancellation of travel, emergency assistance and
  repatriation, etc.
• If effecting travel insurance separately it is
  important the policy does not exclude injuries
  arising from playing rugby.
• Generally Travel Insurance can be arranged with
  the ARU Sports Insurer, QBE Insurance Australia,
  which compliments the existing Sports Injury
  coverage and does not exclude injuries resulting
  from rugby. Please contact Gow-Gates Insurance
  Brokers for further information

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Levy Cost Per Team

• Category 2006
• Seniors (Men/Womens) 1,960
• Under 19s / U19 Laws 1,060
• Womens (10-aside) 870
• Juniors (lt18s) 170

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One-Off Covers

• A request for a one-off match, carnival or short
  competition
• Cover is available subject to
• The event is sanctioned by the ARU or State
  Union
• Applications on Special Event Application
  approved by State Union
• Agreement from the Insurers is required prior to
  event being covered

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Top-Up Cover

• Top-up Cover can be arranged on a team or
  individual basis for weekly benefits and medical
  expenses cover.
• Capital benefits cannot be topped up
• Excesses cannot be varied

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Resources Available

• Club Administrators Sports Insurance Manual
• Rugby Insurance Brochure
• ARU website www.rugby.com.au/communityrugby

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ARU Contacts at Gow-Gates
Telephone [phone] Fax [phone] Toll
Free 1800 811 371 Robert Lawson
rlawson_at_gowgates.com.au Dianne
Morris dmorris_at_gowgates.com.au Rebecca
Fleming rfleming_at_gowgates.com.au Vicki
Baker vbaker_at_gowgates.com.au
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