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Injury Protection Insurance Sports Solutions Income Protector Facility Structure Younger players rated higher to start and older players rated lower Younger players subsidise the older players All players were young once Most players will get older Priced for Sustainability over long term Premium Rates
* Rate is 6.2% per unit of cover with a 60 day waiting period * Rate is 2.5% per unit of cover with a 180 day waiting period * Each unit is R 5 000 per month * Minimum Premium of R 325 per month * Same rate irrespective of age * Maximum age – 36 years old Pre Season Risk Assessment Cover will only be provided up submission of proposal form and acceptance of individual players. Medical Examination:
* Excluded Medical Conditions Pre Existing Conditions
* Old Injury must have played 400 min of game time before cover for the particular injury is provided * Full cover for all other injuries * New Injury – If re injured within 4 games the injury will be treated as an ongoing injury. What to do when injured?
* Insurers to be advised of claims within 14 days * If injury unlikely to extend beyond 60 days, medical report to be completed. * If injury likely to exceed 60 days, detailed medical reports to be submitted together with proposed rehabilitation report. * Monthly report from team doctor required to ensure ongoing payment. * Insurers reserve the right to request a second opinion * No payment will be made unless the player follows a strict rehabilitation programme. * Proof of rehabilitation programme to be produced before the 20th of month in which benefit is payable. Major Policy Exclusions
* Intentional self injury * Alcohol, drugs and performance enhancing drugs * Riot and civil commotion * Osteoarthritis and arthritis * Sexually transmitted diseases / HIV / AIDS |
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