Personal Injury Insurance

Personal Injury cover can pay for non-Medicare medical expenses 

‘Non-Medicare’ means medical costs that can’t be claimed through Medicare. Items include physio, chiro, dental, ambulance transport and private hospital accommodation.

Personal Injury cover is NOT private health insurance 

It is law that Medicare items can’t be claimed on Personal Injury cover. These items can be claimed on Private Health Insurance and include services such as doctors and surgeons.

Personal Injury cover is NOT intended to be life insurance 

Personal Injury cover is a policy for injuries occurring due to an accident. It is not a sickness or illness policy.


As a club we have chosen the highest level of cover provided for by the AFL for the benefit of our players. The Personal Injury cover we have secured is Platinum level. This includes:

  • a. 90% reimbursement of non-Medicare expenses
  • b. $7,500 maximum per claim
  • c. $50 excess
  • d. Capital Benefit maximum $250,000
  • e. Quadriplegia/Paraplegia maximum $750,000


Upgrading cover is optional and is available for teams or individuals. Upgrade options include:

  • Adding Loss of Income cover
  • Increasing the Quadriplegia/Paraplegia maximum to $1,000,000
  • Increasing Non-Medicare benefits 

Some States and Leagues do this automatically so check with your club what level of benefits you qualify for.


It is strongly recommended that all players investigate their personal insurance needs. Players should consider the benefits of:

  • Private Health insurance
  • Life Insurance
  • Loss of Income (particularly for self-employed players)

Want to know more?

Information including how to claim, how to upgrade cover and details for further enquires can be found on the dedicated Australian Football National Risk Protection Program website


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