WHAT YOU ARE COVERED FOR UNDER BMXA RIDER INSURANCE
Summary of Insurance Cover
SUMMARY OF INSURANCE COVER

When you purchase a membership to BMX Australia (BMXA) a benefit that comes with the membership is insurance.

The details below will explain what you are covered for, when you are covered and who is covered.


PERSONAL ACCIDENT INSURANCE

Coverage applies whilst members are involved in sanctioned CA, BMXA or MTBA activities. These activities include official events, organised training including logged individual training, fundraising activities and travel to and from these activities. Information regarding membership catagories can be obtained by www.cycling.org.au

This section provides cover for members aged between 3 and 85 years of age.

BENEFIT

The main benefits under the Personal Accident Policy are listed below;


1) DEATH AND PERMANENT INJURIES

A lump sum benefit is payable in the event of a death or a Permanent Disability. The Scale of benefits is defined in the policy. The maximum payment is $100,000.


2) NON-MEDICARE MEDICAL EXPENSES

This covers insured persons for NON-MEDICARE MEDICAL expenses. The policy is for reimbursement only. That is, the member must pay the account and then claim reimbursement under this insurance cover.

NOTE- Only NON MEDICARE items are claimable (i.e The "Medicare Gap" is not claimable due to government legislation).

The most common "Non-Medicare" expenses include;

Private Hospital
Dental
Ambulance
Chiropractic
Physiotherapy
Osteopathy
Medical expenses that are covered by Medicare (i.e not covered by this sports injury policy) include;

Doctors Fees
Surgeon Fees
Anaesthetist's Fees
X-rays
BENEFIT

Reimbursement up to 80% of Non Medicare costs, up o a maximum of $3,000 per injury.

EXCESS

$50 excess. (Nil excess for claimants who are covered by Private Health Insurance).

CONDITIONS

(i) If a member belongs to a private health fund, they must claim from that fund first.

(ii) Non Medicare Medical costs are only reimbursed by this policy if incurred within 52 weeks from the date of injury.

3) LOSS OF INCOME

This benefit provides cover for insured persons who are disabled from an injury relating to events covered and are unable to work.

BENEFIT

75% of your net weekly income up to a maximum of %500 per week, whichever is lesser.

EXCESS

14 Days

BENEFIT PERIOD

52 Weeks from the date of injury.

Other benefits available but not listed are:

Domestic home help- Non income earners
Injury assistance & parents inconvenience benefit
Rehabilitation benefit
Bed care benefit
Funeral expenses
Further details relating to the above benefits as well as the policy conditions are contained in the SLE Worldwide Australia Pty Limited Personal Accident Product Disclosure Statement & Policy Wording. To obtain a copy of the Wording, please contact CA, BMXA or MTBA.


HOW TO MAKE A CLAIM

PERSONAL ACCIDENT

A claim form will need to be completed and submitted as soon as possible (contact Willis to obtain a claim form)
The declaration on the claim form needs to be signed bu a Club Official
Forward your claim form to CA, BMXA or MTBA along with all original receipts (unless retained by your health fung) and they will forward to Willis Australia on your behalf.


PROFESSIONAL INDEMNITY & PUBLIC LIABILITY

In the event of a liability claim, do not admit liability under any circumstances. Contact Willis immediately to notify any incidents on 1300 WILLIS (i.e 1300 945 547).


IMPORTANT NOTES

This information is only a summary of the cover provided. The policies with full conditions are available by contactin CA, BMXA or MTBA.

This Insurance program commenced on 30 November 2008 and 30 November 2009.

Willis Australia has arranged this insurance program to provide benefits to those registered members of CA, BMXA, MTBA who, through injury or accident, incur financial loss and who would otherwise not have received assistance. The program seeks to provide benefits to those most exposed and to maintain protection at the lowest possible cost to membership. It therefore cannot provide 100% cover or a benefit for every loss that occurs. Federal Government Legislation prevents insurance benefit for a medical service that is covered by Medicare. This legislation also applies to the Medicare Gap. In addition to these policies all members are encuraged to take out Private Health Insurance.
CA, BMXA, MTBA are not and do not represent themselves as a licensed insrance broker by endorsing the products outlined in this summary.
The Insurer for the Public Liability is Sportscover Australia Pty Ltd for and behalf of Lloyds of London. The insurer for the Personal Accident Program is SLE Worldwide Australia Pty Limited.


OTHER INSURANCE

TRAVEL INSURANCE

Travel insurance that is specifically designed for international training and events is available by contacting CA on 02 9738 2500.

BICYCLE INSURANCE

Property insurance for bicycles is available by contacting Willis on 1300 WILLIS (i.e 1300 945 547).