Sports Player Insurance
COVER LIMITS
)1. Death 100% If you are under 18 years of age 20%
2. Permanent & Incurable Quadriplegia 100%
3. Permanent & Incurable Paraplegia 100%
4. (a) Permanent Total Loss of sight in both eyes 100%
(b) Permanent Total Loss of sight in one eye 100%
5. (a) Permanent Total Loss of use of two limbs 100%
(b) Permanent Total Loss of use of one limb 100%
6. (a) Permanent Total Loss of the lens in two eyes 100%
(b) Permanent Total Loss of the lens in one eye 50%
7. (a) Permanent Total Loss of the use of hearing in both ears 75%
(b) Permanent Total Loss of the use of hearing in one ear 30%
8. Third degree burns and/or resultant disfigurement received from fire or chemical
reaction which extends to cover more than 40% of the entire external body 50%
9. Permanent Total Loss of use of four fingers & thumb of either hand 70%
10. Permanent Total Loss of use of four fingers of either hand 40%
11. (a) Permanent Total Loss of use of one thumb of either hand - both joints 30%
(b) Permanent Total Loss of use of one thumb of either hand - one phalanx joint 15%
12. (a) Permanent Total Loss of use of fingers of either hand - three phalanges joints 10%
(b) Permanent Total Loss of use of fingers of either hand - two phalanges joints 7%
(c) Permanent Total Loss of use of fingers of either hand - one phalanx joint 5%
13. (a) Permanent Total Loss of use of toes of either foot - all - one foot 15%
(b) Permanent Total Loss of use of toes of either foot - great - both joints 5%
(c) Permanent Total Loss of use of toes of either foot - great - one joint 3%
(d) Permanent Total Loss of use of toes of either foot - other than great - each toe 1%
14. Fractured leg or patella with established non-union 10%
15. Shortening of leg by at least 5cm 7%
16. Permanent and incurable Total Loss or use of all limbs (non-spinal) 100%
17. (a) Any benefit payable in the Schedule above is limited to 20% of the amount if the injury occurs
whilst an insured person is travelling directly to or from an activity insured under the policy.
(b) Any Permanent Total Loss of use of any body part not shown above will be compensated at a
percentage of $50,000 as determined at the sole discretion of the Underwriter. Such
determination will not be inconsistent with the benefits provided under events 4-16 inclusive.
The benefit payable will be relevant to the insured persons capacity of employment.
P:\Affinity\Sport & Lesiure\JSP\CLIENTS\I\Indoor Sports\ISNSW\Renewal 2011\Indoor Sports NSW - PA Schedule.doc
CAPITAL BENEFITS
(Death and/or partial disablement caused by injury – as per Table of Insured Events)
$250,000 maximum for Quadriplegia / Paraplegia
$100,000 maximum for Death and other insured events
LOSS OF INCOME
NOT INSURED
NON-MEDICARE MEDICAL EXPENSES
Reimbursement 75%
Limit per Claim $1,000
Excess per Claim $50
Benefit Period 52 weeks
ADDITIONAL BENEFITS
Student Assistance Benefit
Reimbursement 100%
Maximum Weekly Amount $500
Elimination Period 14 days
Benefit Period 52 weeks
Home Help Expenses
Reimbursement 100%
Maximum Weekly Amount $500
Elimination Period 14 days
Benefit Period 52 weeks
Available to non-income earners only
Parents Inconvenience Allowance
Reimbursement 75%
Maximum Amount per Day $100
Limit per Claim $3,000
Elimination Period 14 Days
Parents Assistance Allowance
Maximum Amount per Day $15
Limit per Claim $1,500
Elimination Period 24 Hours
Membership Refund
Reimbursement 100%
Limit per Claim $200
Funeral Expenses
Reimbursement 100%
Limit per Claim $5,000