Non-Medicare Medical Expenses (Base Coverage)

What does this Section Cover

This section provides cover for the Specified Events as set out in the table below.

The cover provided under this section is the Base Coverage offered through the VAFA Insurance Program. Teams are encouraged to utilise the Top Up Covers that are available for purchase.

For further details, and application, please contact BJS Insurance Brokers Pty Ltd or phone (03) 9860 4225.

What are the Benefits?

Benefit Non Medicare Medical Benefits
Description

Reimbursement of Non-Medicare Medical expenses incurred within 12 Calendar months results in;

  • Private Hospital Accommodation
  • Ambulance Transport Cost
  • Chiropractic
  • Dental Services (to whole sound teeth only)
  • Ancillary Medical Procedures
  • Theatre Fees in Private Hospital where Medicare does not apply
  • Physiotherapy (as per Policy Benefit below)

Coverage

50% reimbursement $2,000 maximum per claim*

Physiotherapy Benefit Reimbursement

Visits 1 – 5   95% (of the fee charged less rebates from other sources)
Visits 6 – 10   80% (of the fee charged less rebates from other sources)
All Other Visits  75% (of the fee charged less rebates from other sources)

$100 Excess per Claim

*Top Up Options available for purchase:

Top Up Option Level 1:  
75% reimbursement $3,000 maximum per claim
$50 Excess per Claim

Physiotherapy Benefit Remains unchanged

Top Up Option Level 2:      
75% reimbursement $5,000 maximum per claim
$50 Excess per Claim

Physiotherapy Benefit Remains unchanged

Benefit Funeral Expenses
Description If as a direct result of Accidental Death of an Insured Person covered under Section 4.1, Event 1 Death
Coverage Up to $5,000
Benefit Parents Inconvenience Allowance
Description Reimbursement of Non Medicare Medical expenses such as; Transportation and accommodation costs certified as necessary by the Insured Person’s Medical Practitioner
Coverage Up to $1,500
Benefit Rehabilitation
Description Reasonable costs incurred for rehabilitation of a Bodily Injury which have been incurred following a referral from a Medical Practitioner to a rehabilitation provider including but not limited to a Gymnasium, Pilates Studio or Physical trainer
Coverage Up to a maximum of $500
Benefit Bed Care
Description If an Insured Person is necessarily confined to a bed after Bodily Injury for a period of not less than 7 days subject to the Policy Terms and Conditions
Coverage

Up to $300 per week
Maximum of 52 weeks

Benefit Dependant Children’s Allowance
Description Reasonable costs incurred by the Dependent Children of an Insured Personas a direct result of the Bodily Injury to the Insured Person whilst the Insured Person is undergoing treatment for a Bodily Injury covered by this Policy subject to the Policy Terms and Conditions
Coverage Up to a maximum of $500
Benefit Home Renovation
Description As a direct result of Bodily Injury, an Insured Person has a valid claim under Events 2 to 7 of 4.1 Capital Benefits subject to the Policy Terms and Conditions
Coverage 80% of costs
Maximum payable $10,000
Benefit In Memoriam
Description As a direct result of Bodily Injury covered under Event 1 of Section 4.1 Capital Benefit subject to the Policy Terms and Conditions
Coverage Up to $1,000.
Benefit Kidnapping
Description If an Insured Person is kidnapped during the Scope of Cover.
Coverage 10% of the Capital Benefit
Benefit Membership
Description If following Bodily Injury, an Insured Person is deemed by their attending Medical Practitioner unable to participate in the playing of the sport noted in the Schedule (Australian Rules Football) for the remainder of the season the Insurer will pro rata the club membership fee/registration from the period of the bodily injury occurring up until the end of the season.
Coverage Maximum benefit $500