Personal Accident insurance is designed to offer peace of mind to association members, participants and volunteers by having protection for certain costs related to an injury sustained whilst involved in an insured activity.
Personal Accident cover provides financial assistance for Non-Medicare, Loss of Income and Capaital Benefits.
Public Liability insurance can cover a range of financial risks such as your swimming club’s legal defence costs or other costs associated with legal action arising out of personal injury or property damage.
If your club is sued for breaching its duty of care (negligence) you can lodge a public liability claim on behalf of your club through us.
Certificate of Currency
Need to request the Certificate of Currency for your Masters Swimming club? Complete our online tool and receive a copy straight after.Get started
Need to make a claim?
We understand that the unexpected does sometimes occur. We've developed some simple instructions for members and volunteers to help you navigate through the claims process.
For ease, we've housed all the relevant National Risk Program documents in the one spot so members can find and download what they're after, quick.
Group Personal Accident policy
The Program’s Group Personal Accident insurance policy does not provide sickness cover, therefore will not respond to Coronavirus claims for benefits if a club member or other insured person contracts the virus.
The Personal Accident policy generally provides cover for injury only whilst undertaking activities in relation to the swimming.
Frequently Asked Questions
Are volunteers covered to coach at training sessions?
Yes, volunteer coaches (paid or not) are covered to coach at training sessions. All coaches must have appropriate qualifications or experience in order to take on a coaching role.
If members meet for an ocean swim for training are they covered?
Yes they are, however the policy provides cover for ocean swims under certain conditions only. These are:
- All activities must take place within 100m of the shore
- Members must swim in a group of two or more
- Ideally at a patrolled beach with a coach present, but it is understood this is not always possible so this will not affect the cover if not in place.
Are members covered for Open Water Events?
Yes they are, however the policy provides cover for participation in Open Water Events under certain conditions only. These are:
- The event must be a Masters sanctioned event
- All activities must take place within 2,500m of the shore
- Qualified lifeguards must be on duty at all times whilst participants are swimming in the open water event; and
- A safety boat must attend at all times whilst participants are swimming in the open water event
The above conditions must be met in order for the event to be covered by the National Insurance Program.
Are clubs required to hire medics for events?
The clubs should follow the policies and procedures in place at the club with respect as to if medics are required for events.
The insurance policy requires that clubs follow their own policies in this regard. For open water sanctioned events a condition of the insurance policy is that a life guard and safety boat must be in attendance at all times.
Does the Personal Accident insurance cover out of pocket costs associated with surgery?
No, generally not. The Personal Accident policy can only cover medical costs where there is no Medicare rebate paid.
Legislation states that where a Medicare benefit is payable then no personal accident insurance is able to pay the gap. This means that if an injury requires surgery and the surgeon charges.$5,000 and Medicare rebate is $1,000, the remaining $4,000 that the insured is out of pocket is unable to be claimed under the Personal Accident policy.
Types of things that can be claimed under the policy are: Physiotherapy, ambulance costs crutches, wheelchairs, private hospital excess payments among others.
What should a club do in the event that there is an injury to a member or other insured person at a club event?
1. Complete an incident report as soon as possible, keep this on file and send a copy to your Masters Swimming Australia branch (you can also send this to Marsh at email@example.com).
2. Advise the injured party that as an affiliated club, members are insured by a personal accident policy and provide the Marsh contact details so we are able to assist the claimant with the claims process.
Phone:1300 130 373.
If you have already lodged a Personal Injury claim and would like to check on the progress please email firstname.lastname@example.org
Sportscover Claims Department
Locked Bag 6003
Wheelers Hill, VIC 3150
Marsh Pty Ltd
PO Box 333
Melbourne VIC Australia 3000
Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) arranges these insurance products and is not the insurer. When arranging these products, Marsh acts under binding authority on behalf of Sportscover Australia Pty Ltd (ABN 43 006 637 903, AFSL 230914) as agent for Certain Underwriters at Lloyd's.This webpage contains a general overview of the policies, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh on request. Master Swimming Australia receives a financial benefit when a policy is arranged by Marsh, enabling it to continue to provide further services to the members. Marsh makes no representation or warranty concerning the financial condition or solvency of insurers or re-insurers. LCPA No. 21/0177.
Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“MAI”) arrange this insurance and is not the insurer. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). JGS is part of the Marsh group of companies. Any advice in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) which is a related entity of MAI. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions. This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh Advantage Insurance on request.