7.1.2010
OPTIONAL EXTRA
PERSONAL ACCIDENT INSURANCE from JLT
$636 per Team* (*Note: per Team, not per Club)
AFL Masters Teams in 2010 have the option for personal accident cover @ $636pa.
DOWNLOAD FORM, Complete and Return form to JLT.
Be sure to read the PDS, FSG, Terms and Conditions on website www.jltsport.com.au/afl

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WHAT DOES IT ALL MEAN? - below is opinion only, decide for yourself
- $636 per Team per year - or about $3 /player/game Loss or Earnings Cover is NOT available	Injured players can claim 50% of NON-MEDICARE** ONLY (eg physio, crutches, hospital etc) up to $2000 MAXIMUM claimed, Note: $100 EXCESS per claim so cannot claim anything under $200.
** legally we cannot double-insure, so anything covered by MediCare cannot be claimed, not even the Gap
IT'S NOT COMPLETE COVERAGE, - and your club might not claim often, but......consider one OR MORE of your club's players getting injured whilst uninsured. Note: Cardio/Vascular disease is not covered; With only 50% is claimable up to $2000 and despite NO "Loss of Wages Cover", it would seem a large injury (eg operation, knee, shoulder etc) would make a claim on the policy worthwhile. IT'S YOUR CLUB'S DECISION, whether to.... - trust your players to go out and get private health insurance or personally cover themselves, - OR - pass the Optional Personal Accident Cover costs (~$3/game) on to the players. By all means, check out the website www.jltsport.com.au/afl and look up some alternatives too. The opinions expressed above are not necessarily the views or policies of AFLMasters. This is not an in-depth analysis of the product nor an endorsement for or against using the product.