Vermont South Club

Insurance Cover

This document provides a brief outline of the benefits available via the clubs Personal Accident Insurance for Members of the Vermont South Club.

Links for complete policy documents are available on this club website.

Important information for all members

The club insurance, covers all exposures of the club for any negligent acts where the club may be deemed negligent and which creates either bodily injury or a property loss to anyone, including members, whether playing sport or not.

So if a volunteer, or member for instance, falls off a dicey ladder (as an example) then cover for the club is up to $20mill indemnity, if the volunteer took legal action.

The cover also extends to members being negligent and causing injury or property loss to other members. (Member to Member liability is a very important cover), .example , say a tennis player left his racquet on the ground and another member fell over it seriously hurting /injuring themselves then we cover both the member who was negligent by leaving the racquet, and the VS Club if they were both joined in an action for loss or compensation.

The Club provides Personal Accident insurance cover for Bowls and Tennis members and for voluntary workers. No personal accident cover is available for darts members, nor is it available for bowls members over the age of 85 years.

We ask that you take the time to read the following information It is most important that you are aware of the coverage provided. Failure to be aware of the extent of coverage may lead to unnecessary delays and, in some cases, disappointment.

The program provides competitively priced broad protection. Group Personal Accident covers are provided for Capital Benefits, Non Medicare Medical Expenses.

The Group Personal Accident coverage, the schedule of benefits should be considered as basic and entry level.  The insurance that we provide does not substitute for health or hospital cover.

The Vermont South Club encourages all players and others covered by this policy to take out private health insurance.

Tennis Cover Personal Accident Cover

Tennis players are covered under a compulsory insurance scheme that is included as part of the clubs affiliation with Tennis Victoria. The age of the club members determines what level of benefits are available. Not all members therefore receive the same level of benefits. The benefits payable are detailed in the tables that follow. Personal accident insurance should not be considered a substitute for health insurance.

Non-Medicare medical expenses  TENNIS

This cover reimburses expenses that are not standard Medicare items (up to a maximum of $3,000 as per terms and conditions of the policy) and incurred within twelve (12) calendar months of you sustaining an injury, and are paid by you for treatment certified necessary by a legally qualified medical physician. This cover includes the cost of medical supplies and ambulance hire.

 

Capital benefits TENNIS

This section provides cover for the specified events as set out in the table below.

What are the benefits payable?

$100,000 Maximum per loss.

(limited to 15% of the Capital Benefit for Insured Persons under 16 years of age and over 70  years of age)

Bodily injury sustained by an insured person during
the scope of cover which within twelve calendar months results in:

The benefits payable

will be the following percentage of the Capital Benefit of $100,000
 1  Death 100%
 2  Permanent quadriplegia 100%
 3  Permanent paraplegia 100%
 4  Permanent total loss of sight;
two eyes
one eye		  100%
50%
 5  Permanent total loss of hearing;
two ears
one ear		 75%
25%
 6  Permanent total loss of use of;
two arms
one arm		 75%
35%
 7 Permanent total loss of use of;
two legs
one leg		 75%
35%
 8 Permanent total loss of use of;
two or more fingers
two fingers
one finger
one thumb		 40%
14%
4%
5%
 9 Permanent total loss of use of;;
two or more toes
two toes
one toe		 40%
14%
4%
 10 Permanent total loss of;
two kidneys
one kidney
spleen
liver
two testicles
one testicle
sexual function		 75%
30%
25%
70%
40%
6%
45%
 11 Total & permanent disfigurement shortening of leg
For the purposes of this Event 11 only, 'disfigurement' means disfigurement that extends to more than 20% of the entire external body. The total percentage paid to be at the Insurers sole and absolute discretion.		  7% up to 45%
 12 Any permanent total disability or permanent total loss of use of any body part not shown above will be compensated as a percentage of the Capital Benefit as determined at the sole and absolute discretion of the insurer. Such determination will not be inconsistent with the benefits provided under Events 4-11 inclusive.  up to 90%
 13 Becoming HIV positive but cover for this event is only provided if the infection was as a direct result of playing or participating in the sport nominated in the schedule.  10%
 14 Actual non-Medicare medical expenses incurred following accidental miscarriage or premature childbirth up to maximum 26 weeks of pregnancy. Cover for this event is only provided if the miscarriage or childbirth was as a direct result of playing or participating in the sport nominated in the schedule. Event 14 is subject to deduction of the excess specified in the schedule for medical benefits.  

Bowls Personal Accident Cover

Bowls players are covered by a compulsory insurance scheme. The age of the club members determines what level of benefits are available. Not all members therefore receive the same level of accident benefits.

Travel is included under as Follows:

Insured Activities means whilst a bowls Member is, at any Insured Sports Facility or Sporting Club in Australia:

  1. playing or practising bowls;
  2. travelling to and from your private residence or temporary accommodation to an Insured Sports Facility or Sporting Club for the purpose of playing or practising bowls, attending any function or organised event or using any facility, bar, dining area or accommodation offered by the Sporting Club.

 

Voluntary Workers means club directors, committee members and/or voluntary workers whilst engaged in volunteer activities in connection with your Business including a journey that commences at the time the insured person leaves his/her normal place of residence or club, whichever is the place of departure for the journey and ends at the time the insured person returns to the insured person’s normal residence or the club Sporting Club, whichever occurs first. Provided always that such work is officially organised and under Vermont South Club control.

 

The benefits payable are detailed as follows

Voluntary Workers Personal Accident

Capital Benefits                $100,000 per volunteer     Death under 18 - 20%   Death 65 -85 -20%

Weekly Benefit                $1,000 Per Week for qualifying full time workers/14 Day Excess     Benefit Period 52 Weeks

Additional Benefits:

  1. Home Help $200 Per Week/14 Day Excess Benefit Period 52 Weeks
  2. Non Medicare Medical Costs 85% to maximum $5,000 Excess $50
  3. Emergency Transport Costs 85% to maximum $2,500 Excess $50

Members Personal Accident BOWLS

Capital Benefits                                $100,000 Per member        Death under 18 - 20%

Weekly Benefit                                 $500 Per Week for qualifying full time workers/7 Day Excess   Benefit limit is 52 Weeks

Additional Benefits:

  1. Modification Expenses Up to $10,000
  2. Funeral Expenses Up to $5,000
  3. Student Help $200 Per Week/7 Day Excess     Benefit Period 52 Weeks
  4. Home Help $200 Per Week/7 Day Excess     Benefit Period 52 Weeks
  5. Parents Inconvenience Allowance $25 Per Day Maximum Benefit $1,500
  6. Non Medicare Medical Costs 75% to maximum $1,000 Excess $100
  7. Emergency Transport Costs 75% to maximum $1,000 Excess $100

The Condition Benefit Percentage

  1. Death and Permanent total disablement 100%
  2. Death of person under eighteen (18) years 20%
  3. Permanent paralysis of all limbs 100%
  4. Permanent loss of use of two limbs 100%
  5. Permanent loss of use of one limb 60%
  6. Permanent total loss of sight 100%
  7. Permanent total loss of sight in a remaining eye 100%
  8. Permanent total loss of sight or the lens in one eye 50%
  9. Permanent total loss of hearing 75%
  10. Permanent total loss of hearing in one ear 25%
  11. Permanent total loss of : - Liver 75%
  12. Two kidneys 75%
  13. One kidney 35%
  14. Sexual function 45%
  15. Two testicles 40%
  16. One testicle 7.5%
  17. Spleen 30%
  18. Permanent disfigurement to 100% of the surface of the head and neck 50%
  19. Permanent disfigurement to 100% of the surface of the remainder of the body 25%
  20. Permanent total loss of use of a thumb and all fingers on one hand 50%
  21. Permanent total loss of use of all the fingers on one hand 40%
  22. Permanent total loss of use of a thumb 30%
  23. Permanent total loss of use of one joint of a thumb 15%
  24. Permanent total loss of use of a finger 10%
  25. Permanent total loss of use of two joints of a finger 7.5%
  26. Permanent total loss of use of one joint of a finger 5%
  27. Permanent total loss of use of a foot 5%
  28. Permanent total loss of use of a big toe 5%
  29. Permanent total loss of use of one joint of a big toe 3%
  30. Permanent total loss of use of each other toe 3%
  31. Broken leg or kneecap that will not join 10%
  32. Shortening of a leg by at least 5 centimetres 7.5%
  33. Any Permanent Disability or Disfigurement that is not total or is not listed under Events 8 to 31 above will be paid for in proportion to the degree of Permanent Disability as compared with the cases as listed above without taking into account the Occupation of the Insured Person.