Frequently Asked Questions
Where and when am I covered?
This policy provides coverage anywhere in the world when involved in activities which are sanctioned by Judo Australia (JA).
What insurance policies are automatically provided as a part of JA membership?
The following insurance policies automatically form part of membership;
- Public and Products Liability
- Professional Indemnity
- Personal Accident
- Group Travel
What is Public Liability Insurance?
This policy provides protection for insured entities and persons that are held liable for a negligent act that results in property damage or bodily injury anywhere in the world.
What is the Limit of Liability?
$20,000,000 for Public Liability claims
$5,000,000 for Professional Indemnity claims
Is there a Public Liability / Professional Indemnity policy excess?
Yes an excess of $5,000 is payable by you, the JA member.
Are non-Australian residents covered?
Yes providing you are a JA member.
What is Personal Accident Insurance?
Personal Accident Insurance covers you for injuries you sustain while participating in activities that take place in a JA registered centre, including all official tournaments, playing, training and official social events and fundraising activities including all travel to and from these events in Australia.
This Policy covers all registered members of the Insured and voluntary workers of the Insured whilst acting in an official voluntary capacity including necessary and direct travel who are between the ages of 2 and100.
The most commonly claimed expenses under the JA Personal Accident policy are;
- Non Medicare Medical Expenses (85% of Non Medicare Medical Expenses up to $2000 per injury or $5,000 for officials and voluntary workers)
$50 excess applies, $nil excess if you have private health insurance
- Loss of Income (85% of your income up to $350 per week or $1,000 for officials and voluntary workers)
There is no benefit payable for the first 14 days you are away from work as a result of your injury. The benefit period is 52 weeks
Are there any medical expenses which are not covered?
Yes. There is a Government Legislation which prevents insurers from covering Medicare related costs including the Medicare Gap.
The most common “Non-Medicare” expenses include:
- Private Hospital Bed & Theatre Fees
Medical expenses that are covered by Medicare (i.e. not covered by this sports injury policy) include:
- Doctor’s Fees
- Surgeon’s Fees
- Anaesthetist’s Fees
Am I covered in the event of death or other permanent injury?
Yes, the following lump sum payments are provided under the JA Personal Accident policy;
Death & Capital Benefits: $100,000 or $20,000 for persons under 18 years old or travelling to or from their judo activity.
What is the age limit on the JA Personal Accident Policy?
The policy covers members which are aged between 2 – 100 years of age
Do I have to pay for my medical expenses first?
Yes, the Personal Accident policy is a reimbursement policy, you must pay for your medical expenses and seek the applicable reimbursement under the Personal Accident insurance policy