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Dear Participant,
As you will be aware, the Football NSW Insurance Program includes Personal Accident insurance for appropriately registered players and/or non-playing officials that are injured while engaged in activities sanctioned by Football NSW.
As part of that insurance cover, appropriately registered participants may be entitled to a Loss of Income Benefit in certain circumstances.
Details about the Football NSW Insurance Program can be found here and additional information about Personal Accident insurance can be found here.
TOP-UP COVER OPTION
Football NSW wishes to advise participants that they have the option to purchase additional Loss of Income Cover (Top-Up Cover).
Subject to the payment of an additional premium, the policy wording and eligibility criteria, appropriately registered participants have the option to increase the Weekly Injury benefit payable under the standard Personal Accident insurance by up to their choice of $250 or $500 for an injury sustained whilst playing, or engaging in, sanctioned football activities for registered participants.
That is, subject to the payment of an additional premium, the policy wording and eligibility criteria, appropriately registered participants have the option to increase the Weekly Injury benefit payable under the standard insurance from the lesser of 85% of net income or $250 per week, to their choice of:
the lesser of 85% of net income or $500 per week; or
the lesser of 85% of net income or $750 per week.
Cover applies while participating in official football matches as well as sanctioned trials, training, travelling between home/work and training or games, staying away from home for a sanctioned tour and administrative and social activities for your club.
Please note that the Top-Up Cover is only available to registered participants with full-time employment. Other eligibility criteria and conditions apply.
Please click here for more information about the Top-Up Cover or contact Gow-Gates directly with any questions on (02) 8267 9999 or football@gowgates.com.au.
IMPORTANT INFORMATION
Please ensure you read all important documents including the Target Market Determination (TMD) and Combined Product Disclose Statement and Policy Wording before deciding if this product is suitable, as your personal circumstances have not been considered.
Please note that coverage limits, excesses, terms, conditions and exclusions apply to all insurance cover under the Football NSW Insurance Program.
While the Football NSW Personal Accident Insurance provides basic levels of cover for participants, it is not all encompassing (this is necessary to keep the cost of insurance affordable for all participants) and does not seek to replace the need for private health cover and other insurances. The Top-Up Cover is also not all encompassing and provides limited additional cover.
Football NSW strongly encourages all participants to assess their personal circumstances and decide if they should take out additional Loss of Income Top-Up Cover or their own private health insurance, life insurance, trauma cover and/or income protection insurance over and above the coverage provided under the Football NSW Insurance Program.
Income protection insurance, in particular, may provide a greater level of cover and additional loss of income benefits than provided under the Football NSW Insurance Program in the event you are unable to work due to injury. This is particularly important for participants whose work involves manual labour and who may therefore be unable to work at all if injured.
