Insurance

What happens if I am injured at ANUWFC trials, training, or a game?

ANUWFC players and triallists are covered by insurance when playing, training, or trialing for the club. 

ANUWFC players can access one of two insurance policies.

 

Below are some key things covered by each policy. However, please consult the policy wording for more detail and to make sure you fully understand. The information provided here does not constitute legal advice or information, and you are ultimately responsible for your own decisions about insurance.

You can reach out to ANU Sport about their policy, or Gow Gates about the Capital Football (FFA) policy, directly.

 

Under both policies:

  1. Items eligible for a medicare rebate (e.g. treatment in a hospital) are not covered. 

  2. Physiotherapy is covered to different extents by each policy.

  3. If you make a private health insurance claim for the injury, the insurance through ANUWFC will only apply to the remaining cost after the private health rebate has been applied.

  4. You can claim up to 12 months after an injury.

  5. You need to pay for all expenses upfront and claim them back afterwards (i.e. the insurance cannot pay directly to the healthcare provider).

  6. You will need to keep original receipts and invoices for any expenses you claim. Please also keep any documents where a health practitioner diagnoses your injury.

For reference, an "excess" is the amount you have to pay out of pocket before the insurance will kick in.

Policy: ANU Sport policy

Key Documents: Info page in the ANU Sport club handbook

Some key covered items: 100% of costs for items not eligible for a Medicare rebate (e.g. physio), with no excess, to a maximum of $20,000. You will likely need a GP referral or GP confirmation of the physio diagnosis.

Up to $5,000 for out-of-pocket expenses like medical aids, local transport for purposes of seeking medical treatment and other non-medical equipment

How to make a claim: Complete an ANU Sport incident report form as soon as possible after the injury occurs, and send to ANUWFC@gmail.com.

  1. ANUWFC will provide the form to ANU Sport, who will make contact with you directly. 

  2. You will work directly with ANU Sport once you have completed treatment and are ready to claim. This usually involves completing a claim form (which may require information from a doctor).

Policy: Capital Football (FFA) policy

Key Documents: Policy summary

Some key covered items: 85% of costs for items not eligible for a medicare rebate (e.g. physio), with a $50 excess (or no excess if you're a member of a health fund), to a combined maximum of $2,500. To access this, you will need to be referred by a GP (you can get the referral after you've seen the physio) and you will need a new GP referral for every six visits.

If you are a student and need tutoring due to inability to attend classes, the policy will cover up to $250 x 52 weeks of tutorial costs after a 7-day excess

Some income support or other financial support if you are completely unable to work, after a 14-day excess

How to make a claim

  1. Claims are made through the Capital Football website (insurance page). You will typically need to fill out a form, and provide supporting documentation including the referral from your GP, and any receipts.

  2. You can begin a claim and save it, returning to it later. You may find it helpful to begin the claim early, while the details are fresh in your mind. You can then upload further documents as you progress through treatment.

How do I complete an incident report form for ANU Sport?

 

You will need to complete sections 1-3 of this form in order to make an insurance claim under the ANU Sport policy. You can open the form as a Word document from the link. 

 

ANUWFC recommends you complete this form if you are ever hurt during trials, training or a match. This will help streamline an insurance claim if you decide to make one later.

 

Please complete sections 1-3 only, then return to ANUWFC@gmail.com. Details of how to complete are below, along with an example form.

 

How to complete each section

Section 1: Background

  • Complete all details. The witness can be anyone who saw the incident occur. Often this will be a coach, or another player. Please do your best to include a witness as it makes it much easier for you to make a claim.

 

Section 2: Incident

  • Clear concise description of the incident: complete this box yourself. Describe what happened immediately before, during and after the injury, using third-person language (i.e. say “Sophie felt a sharp pain”, not “I felt a sharp pain”). Give as much detail as possible, for example:

    • what was happening that led up to the injury

    • how it felt and what made you notice you were injured

    • whether you kept playing

    • any sensation you had if you did continue to play. 

  • Any previous injuries/diagnosis: complete this box yourself. Include anything that may be relevant to this injury. You do not need to include all injuries or diagnoses you have ever had.

  • Statement of witness: the witness should complete this box. Similar to your description of the incident, they should describe in detail what happened before, during and immediately after the injury. 

 

Section 3: Action taken (if applicable)

  • Complete this box yourself, again using third-person language.

  • Describe what you did immediately and in the days following the injury. For example:

    • Whether you kept playing or ceased playing

    • Any first aid that was applied at the time of the injury or in subsequent days, e.g. rest, ice, taping, bandaging

    • Any medication you took for the injury

    • Any immediate care you sought, e.g. going to a doctor or physio (and if so, what they advised), or getting a scan. 

  • If you are completing this form after finishing treatment for an injury, include a summary of the treatment. However, it is recommended you complete the form soon after the injury occurred.

Find an example form here.