Frequently Asked Questions

Yes. Sportscover Australia will pay part of the commission it receives to the national body, Sport Climbing Australia, to assist with the development of the sport.

Yes. Both indoor and outdoor climbing are covered.

Yes. Hiking to the climbing location is covered however cover does not include overnight stays.

No. Driving (or any other mode of transport) to or from the climbing location is not covered.

Unfortunately due to the Health Insurance Act 1973 we are prohibited from paying the Medicare gap or anything towards any Medicare related expenses, such as a Doctor, Surgeon, Surgeon’s assistant’s booking/admin fees, Anaesthetist, Pathologist and Radiologist fees.

The policy covers many Non-Medicare Medical expenses such as Private Hospital accommodation, theatre fees, physiotherapy, chiropractic, dental, ambulance, non-rebateable MRI’s, Acupuncture, Osteopath, Naturopath, Massage, Hydrotherapy, and Podiatry.

Medical equipment hire such as crutches or a wheelchair is covered under the policy however your hire deposits are not covered under the policy.

Bandages and pharmaceutical items such as pain killers and creams are not covered under the policy. 

The Loss of Income excess period is the number of days that you need to be unable to work before benefits can start to be paid. Any sick leave that you are entitled to will be deducted from the settlement.

Below are some of the benefits under section 4.1 Capital Benefits. Refer to the PDS for a full list and more information. The maximum benefit is $75,000 across all benefits combined.

$75,000 for Death, Permanent Quadriplegia, Permanent Paraplegia or Permanent total loss of sight in both eyes.
$56,250 for Permanent total loss of hearing in both ears or Permanent total loss of use of both kidneys.
$37,500 for Permanent total loss of use of one eye.
$30,000 for Permanent total loss of use of three or more fingers, or three or more toes.
$26,250 for Permanent total loss of use of one arm or one leg.
$3,000 for Permanent total loss of use of one finger or one toe. 

Yes. You must claim through your Private Health Insurer first. Sportscover will then assess your claim and pay relevant benefits taking into account any rebates received from your Private Health Insurer.

Yes. Your claim will be settled when one of the following events occurs, whichever comes first:
- Your treatment is complete;
- You are able to return to training or playing sports;
- You exceed the 12 month policy period; or
- The maximum amount payable under the policy has been reached. 

No. As the policy does not cover 100% of your medical expenses, you must pay all your bills and send through your receipts for assessment as part of your claim.

If you are eligible to claim loss of income, it will be paid monthly in arrears.
If you are a Pay As You Go (PAYG) taxpayer, Sportscover must withhold tax in accordance with your usual tax scale from any loss of income payment. You must complete a Tax File Number (TFN) declaration. Not providing a TFN Declaration will result in tax being withheld at the marginal rate required by the Australian Taxation Office (currently 47% for residents).

If you hold an ABN, you are not required to complete and return a Tax File Number (TFN) Declaration if you declare your ABN when completing your claim form.

Your "Income Statement" (previously called a PAYG Payment Summary) will be available to you via the Australian Taxation Office website or via your Tax Agent. 

Sportscover Australia Pty Ltd. ABN 43 006 637 903 ACN 006 637 903 AFS Licence No. 230914 is the issuer of the policies on behalf of certain underwriters at Lloyd's. This website provides factual information only and is of a general nature only. The information on this website does not take into consideration your personal objectives, financial situation or needs. Before acting on any information contained within this website or the attached documentation, you should consider its appropriateness and effect on you, or contact a qualified insurance broker for advice on this product. The relevant Product Disclosure Statement (PDS) and Financial Services Guide (FSG) can be found on this website and may help you decide if the policies are right for you, if not, contact your insurance broker for further advice on this product.

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