Frequently Asked Questions
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Where and when am I covered?
Cover under the Masters Swimming Australia insurance policies applies to members/entities, whilst undertaking insured activities associated with the sport of Swimming.
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What insurance policies are automatically provided as a part of Masters Swimming Australia membership?
Personal Accident
Public Liability
Professional Indemnity
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What is Public Liability Insurance?
Public Liability insurance is designed to protect you in the event that you are sued by a third party for a negligent act that results in property damage or bodily injury anywhere in the world. This policy provides protection for insured entities and persons that are held liable.
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What is the Limit of Liability?
$20,000,000 for Public Liability claims
$20,000,000 for Professional Indemnity claims -
What is Products Liability insurance?
Product liability insurance will cover you in the event that any goods that you supply cause injury, illness, loss or damage to a member of the public. This could include food prepared and sold at a fundraising day.
Are non-Australian residents covered?
Yes, providing you are a Masters Swimming Australia member.
What is Personal Accident Insurance?
Personal Accident Insurance covers you for injuries you sustain while participating in insured Swimming related activities, such as sanctioned events, training and official social events and fundraising activities including all direct travel to and from these events.
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
- Dental
- Ambulance
- Chiropractic
- Physiotherapy
- Osteopathy
Medical expenses that are covered by Medicare (ie. not covered by this sports injury policy) include:
- Doctor’s Fees
- Surgeon’s Fees
- Anaesthetist’s Fees
- X-rays
Am I covered in the event of death or other permanent injury?
Yes, the following lump sum payments are provided under the Masters Swimming Australia Personal Accident policy;
Death | $100,000 |
Death (Members aged Under 18 or Over 80) | $20,000 |
| Quadriplegia / Paraplegia | $250,000 |
What is the age limit on the Masters Swimming Australia Personal Accident Policy?
The policy covers members/athletes who are between 18 – 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.
