Originally Posted by
380
All those expenses that the insurance does cover is also only paid out on a refund basis in other words don't hand them a bunch of unpaid medical invoices you need to pay them up yourself and claim back. From memory going back a few years now it was 80% and up to 5k. Yes you must seek to use up any or all of your private insurance first and they will not pay out on a particular item where a medicare item number exists. I think every paying parent or adult participant SHOULD be provided with a HARD COPY of this insurance policy given its questionable exclusions at the time of purchase ie registration. All players and parents need to be aware just how badly out of pocket they could be should they be seriously injured playing the game and in particular a injury with ongoing expenses not just the immediate attention required such as reconstructions etc.
Also i vaguely recall something about the insurance was brokered through a mob in Victoria and QBE at the time was the ultimate insurer. I remember at the time thinking about all this insurance business and reckoning that participants should be given the option at registration time to take up insurance via the registration process or go away and shop around for there own similar policy from other insurers and perhaps by default create competition and drive that component of registration down.
I am more than happy to be proven wrong/corrected but to the best of my knowledge this whole insurance business was a national arrangement and i guess with such a captive market arrangement you got to wonder just what and if " legally " they refer to them as rebates are involved ???????.
My whole experience re this insurance business goes back the best part of 5 yrs now so i am more then happy to be corrected if a have made any errors.
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