How sport insurance works in Australia, sports insurance personal accident $50 to $200 per year per player works by covering non-Medicare medical expenses $2K to $5K 80% reimbursement if player injured during sanctioned sport like broken leg $3K, cruciate $3K to $5K, plus loss of income $500 per week up to $5K, death $20K to $50K, with claim via club and insurer Sportscover, V-Insurance within 30 days, while public liability $1,000 to $5,000 per year per club $10M to $20M covers if club sued $100K to $500K for injury due to negligence. Sport insurance works with two main covers personal accident and public liability. Personal accident $50 to $200 per year per player covers player injured during training, game or sanctioned event, for non-Medicare medical expenses $2K to $5K like physio $100 per session, surgery $3K, ambulance $500, with 80% reimbursement up to $2K to $5K, for example broken leg $3K medical physio $1K, insurance pays $2,400 minus excess $50 = $2,350, plus loss of income $500 per week up to $5K if cannot work due to injury, death $20K to $50K and capital benefits $10K to $50K for permanent disability like loss of limb. Claim via club secretary submitting claim form within 30 days with medical reports $0 to insurer Sportscover, V-Insurance, Marsh, insurer assesses and pays within 14 days. Public liability $1,000 to $5,000 per year per club $10M to $20M works if club sued for negligence causing injury to player, spectator or property $100K to $500K, for example unsafe ground causing player $200K injury claim, liability $10M covers $200K legal and compensation minus excess $500, club not liable. So sport insurance works personal accident $50 to $200 per player covering medical $2K to $5K 80% and income $500 per week if injured during sport, and liability $10M to $20M covering $100K to $500K lawsuits if club sued for negligence, with claims via club within 30 days.
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