Insurance

INSURANCE – AFL NATIONAL RISK PROGRAMME

BHFNC is insured through Marsh Insurance our current levels are: SILVER cover for juniors and GOLD cover for seniors.

Level Non-Medicare Medical Benefit Capital Benefit* Quad/Para Events
Reimbursement for items that are not claimable in any way through Medicare. Provides cover in the event of death or permanent disability. Provides cover in the event of permanent and incurable quadriplegia or paraplegia.
GOLD 90% reimbursement, $3,500 max. per claim $50 excess per claim $200,000 Maximum $1,000,000 Maximum
SILVER 75% reimbursement, $2,500 max. per claim $75 excess per claim $150,000 Maximum $1,000,000 Maximum
* Capital Benefit sum in the event of an under 18 death is restricted to 20% of the applicable maximum payout of each level

All registered football players, officials and volunteers are covered for insurance via the AFL National Risk Protection Programme. Any player, official or volunteer suffering an injury during playing, training or any club activity can make a claim. Please note, there are only certain treatments that can be claimed for, please see table below as a guide.

What’s Generally Covered? What’s Generally NOT Covered? When Does Personal Injury Cover Apply? Your Claim May Be Affected If You….
  • Physio
  • Chiro
  • Dental
  • Ambulance Transport
  • Private Hospital
  • Doctor’s Fees
  • Surgeon’s Fees
  • Anaesthetist’s Fees
  • X-Rays
  • Public Hospital Costs
  • MRI Scans
(Only If The Clinic Is Medicare registered)
  • An official match or training session
  • Travelling to and from an official club activity
  • Participation in an official club function
  • Tours or representative matches
  • Play against medical advice
  • Have a pre-existing injury
  • Are under the influence of alcohol or drugs
  • Are involved in a criminal act
  • Have a pre-existing illness or disease (i.e. cancer, heart condition)

PRIVATE HEALTH & AMBULANCE COVER

BHFNC encourages all members to still obtain Private Health Insurance and to also ensure that you have a current Ambulance Victoria Membership either with your health insurance or purchased individually.

INCOME PROTECTION

There is no cover for loss of income so players are recommended to pursue their own insurance coverage. You can obtain a quote via JLT the AFL National Risk Programme provider by calling  1300 130 373 or contact one of our sponsors to discuss possible options with them.

MAKING A CLAIM

Claims must be lodged as soon as possible (and within 270 days from the injury date).  

Complete an online lodgement if:

  • You are an insured person or member – player, umpire, official or volunteer (or parent or guardian if claimant is under 18);
  • You have sustained an injury – whilst participating in a sanctioned activity/event.  ; and
  • You have incurred costs – Non-Medicare medical costs.  If you have private health cover, you should try and claim through your provider first.


Steps to proceed with claim:

  1. Complete the claim online here Make a claim | Marsh.  
  2. Following your online claim lodgement, Marsh will email you three separate declarations that need to be completed and signed by your club, your treating physician and/or your employer (not applicable as this only relates to income protection). An authorised club representative will need to authorise the claim.
  3. The Declarations can be printed and filled in manually or emailed straight to the relevant person for them to print, complete and return to you to forward to Marsh.
  4. Marsh will confirm receipt of your claim and provide you with a claim number.  Any further costs can be submitted to Marsh quoting this claim number
  5. If you have any questions about this process please contact Marsh on 1300 130 373. MARSH Insurance will help with any questions or queries but if you need any documents signed or further information from BHFNC please email admin@bhfnc.com.au or contact Angie on 0439 998 786.


Important Information:

We recommend you retain copies of all receipts and send them in for Marsh to assess regardless of whether you believe they are claimable or not.  Once a claim has been submitted all communication is between the player and JLT Insurance, the club has no involvement.