Accidents. We never see them coming.

But you can be better prepared with the right personal accident insurance policy. Personal Accident Insurance is designed to offer some peace of mind to members, participants and volunteers of an organisation by having protection for certain costs related to an injury sustained whilst involved in an insured’s activity.

Coverage Limits

Capital Benefits

$100,000 maximum - $25,000 maximum (Under 18)

Loss of Income

75% up to maximum $300 per week 14 day elimination period 52 week benefit period

Non-Medicare Medical Expenses

75% reimbursement $5,000 maximum per claim

Injury Assistance

$1,500 maximum limit per claim

Policy Wording
Policy Schedule - Capital Benefits
Policy Schedule - Medical (No Caps)

When does Personal Accident Insurance Apply?

Personal Accident insurance provides coverage for injuries sustained whilst participating in an activity under the following circumstances:

• An official match or training session
• Traveling to and from an official club activity
• Participation in an official club function
• Tours or representative matches

What Cover is typically excluded from a Personal Accident Policy?

Personal Accident Insurance – provides you with cover in the event of death or permanent disability. Refer to your Programme Summary for full benefit details and limits.

Non-Medicare Medical Benefits – provides reimbursement for items that are not claimable in any way through Medicare. Due to legislation, this does not include the Medicare Gap.

Loss of Income Cover – (where included) provides reimbursement of a claimants’ weekly income. Please refer to your Programme Summary for full benefit details and limits.

Examples of Personal Accident Claims

Capital Benefit – a participant loses permanent sight in one eye due to a ball hitting them. The claimant can claim for permanent disablement under this section

Non-Medicare Medical Benefits – a participant requires a knee reconstruction resulting from a sporting injury. A claim can be made through this section of the policy for items not covered in part by Medicare.

Loss of Income (where covered by the sport) – Bill is a builder and is unable to work due to breaking his leg whilst playing. His loss of earnings (not including sick leave) can be claimed under this section of the policy.

When does Personal Accident Insurance Apply?

Step 1 – access a current claim form from the Honan website
Step 2 – complete all relevant sections of the claim form
Step 3 – send your claim form to your nominated claims advisor ASAP
Step 4 – your claims advisor will confirm receipt of your claim

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Honan Insurance Group Pty Ltd (Australian Financial Services Licence no. 246749, ABN67 005 372 396) is an insurance broker acting as agent for insureds and intending insureds. Honan is not an insurer. The information on this website has been prepared without taking into account your objectives, financial situation or needs. Any advice provided on this website is general advice only. Before making a decision to purchase an insurance policy, please read the relevant Product Disclosure Statement to make sure the policy is right for you. Insurance cover is subject to policy terms and conditions including policy limits and exclusions.