For players from overseas please note

Special consideration should be given in regard to registered players who are not Australian citizens; permanent Australian residents; or residents and citizens of countries with reciprocal health care agreements.

Although they will be eligible for claims under the Non Medicare Medical Expense of the ARU’s Sports Injury policy, they may not be protected (depending on their individual circumstance) under Medicare thus there could be substantial medical expenses uninsured and/or non recoverable. 

The current ARU policy pays up to 80% of medical expenses which are not payable or partly payable by Medicare to a maximum of $3,000 after deduction of $100 excess.  In view of this it would be prudent to ensure that separate Medical cover is taken out for overseas players who are not entitled to Medicare as their medical expenses could be significantly higher than the claimable $3,000 per injury with possibly no protection from Medicare. Consideration should also be given to cover for injuries which may occur outside their duties for your club as well as illness.

It is our understanding that Medicare eligibility is restricted to persons living permanently in Australia who are; Australian citizens; permanent Australian residents; residents and citizens of countries with reciprocal health care agreements (currently New Zealand and Republic of Ireland; United Kingdom, Sweden, Finland, Norway, the Netherlands, Belgium, Malta and Italy. Last updated 29 September 2010.) You should make your own inquiries to Medicare on this as there may be conditions that apply and Medicare arrangements do and can change from time to time (www.medicareaustralia.gov.au/public/migrants/visitors/index.jsp).   

Overseas players not entitled to Medicare should effect appropriate travel insurance before travelling to Australia or take-out private health insurance whilst in Australia tailored for non-residents.  Some of the Private Health Funds offer cover for overseas residents, information can be found on their websites (some links are  www.aushealth.com/ and www.australianunity.com.au/health-insurance/overseas-visitors/default.aspx).

Clubs and players often don't think of the financial repercussions of an injury until it’s too late. So take the time to set up an appropriate level of cover BEFORE you play. (Remember insurance has a waiting period of a few months before the cover kicks in, so organise before season starts).

 

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