This section covers;

• Non Medicare Medical Expenses
• Student Assistance Benefit
• Home Help Benefit
• Parents Inconvenience Allowance
• Funeral Benefit
• Lifestyle Modification Benefit
• Broken Bones Benefit

1) NON-MEDICARE MEDICAL EXPENSES

This covers insured persons for NON-MEDICARE MEDICAL Expenses. The policy is for reimbursement only. That is, the member must pay the account and then claim reimbursement under this insurance cover.

NOTE: Only NON-MEDICARE items are claimable (i.e The "Medicare gap" is not claimable due to government legislation).

The most common "Non Medicare" expenses include:

- Private Hospital	- Dental
- Ambulance	- Chiropractic
- Physiotherapy	- Osteopathy

Medical expenses that are covered by Medicare (i.e. not covered by this sports injury policy) include:

- Doctors Fees	- Surgeons
- Anesthetists Fees	- X-rays

BENEFIT
Reimbursement up to 100% of Non Medicare medical costs, up to a maximum of $2,500 per injury.

EXCESS
$100 excess applies to each injury. There is a nil excess if a member belongs to a private health fund.

CONDITIONS

1. If a member belongs to a private health fund, they must claim from that fund first.
2. Non Medicare Medical costs are only reimbursed by this policy if incurred within 52 weeks from the date of injury.

2) STUDENT ASSISTANCE BENEFIT

Pays $400 per week for cost actually incurred for tutoring, travel costs etc to assist full time student.

EXCESS
The first 7 days from the date of injury are excluded.

BENEFIT PERIOD
26 weeks from the date of injury.

3) HOME HELP BENEFIT

Pays non-wage earners up to 100% of cost to a maximum of $500 per week being for reimbursement of actual costs incurred for cooking, ironing, washing, cleaning, and child minding expenses as a result of injury.

EXCESS
The first 7 days from the date of injury are excluded.

BENEFIT PERIOD
52 weeks from the date of injury.

4) PARENTS INCONVENIENCE ALLOWANCE

Pays up to 80% of costs to a maximum of $300 per week, whilst the child is hospitalised to off set costs incurred for baby-sitting, taxi fares etc.

EXCESS
The first 14 days from the date of injury are excluded.

BENEFIT
52 weeks from the date of injury.

5) FUNERAL BENEFIT

If a Death Benefit has been paid under capital benefits, an amount of $5,000 is available for reimbursement of funeral expenses.

6) LIFESTYLE MODIFICATION BENEFIT

If an insured person is paid a capital benefit due to total permanent disablement, permanent paraplegia or quadriplegia or permanent and incurable paralysis of all limbs, then an additional payment of up to $10,000 for reimbursement of home or motor vehicle modifications or in relocating to a suitable home is also available.

7) BROKEN BONES BENEFIT

Pays up to $3,000 for broken bones as per the following schedule: Accidental Bodily Injury resulting in: Broken Bone Benefits - Accidental Bodily Injury

(a) Neck skull or spine	$3,000
(b) Hip	$2,250
(c) Jaw, pelvis, leg, ankle or knee	$1,500
(d) Cheekbone or shoulder	$900
(e) Arm, elbow or wrist	$300
(f) Nose or collarbone	$600
(g) Foot or hand	$150
(h) In the case of established non union of any of the above breaks, an additional payment is made	$150
Maximum Compensation any one Accident.	$3,000

3 - 80 years of age (85 years for voluntary workers)

The policy will not respond to any claim under this section of the policy if the claim arises directly or indirectly out of any of the following;

• Any injury, medical condition, or weakness known to the insured person or which would have been known to a reasonable person in the circumstances to have existed prior to the commencement of this policy
• Illness
• MRI scans (if Medicare registered)
• Costs associated with the prevention of injury. For example, knee braces, mouth guards, ankle braces
• Expenses incurred for which a Medicare benefit is payable. The Health Insurance Act (Cth) 1973 does not permit the Trustee or Insurer to contribute to any charges covered by Medicare (including the Medicare Gap).
• Expenses incurred more than 12 months after the date of injury
• Accounts covered by an ambulance service whether claimed or not
• Accounts covered by private health insurance whether claimed or not