Lions Australia

1. INSURANCES CHARGED ON SEMI ANNUAL DUES ACCOUNT

1 (b) LIONS PERSONAL ACCIDENT POLICY

This policy covers against accident only and there is no cover should an insured person become ill whilst at a function or a project. The insured persons are members of Lions Clubs, Lioness Clubs and Leo Clubs in MD 201, as well as accompanying partners and voluntary workers, as defined, whilst:

(a) Actually attending any officially constituted Lions/Lioness/Leo's function or project anywhere in Australia, Papua New Guinea, Mandated Territories or Norfolk Island.
(b) Travelling from their residence, place of business or temporary residence to any venue, place of function (including convention venues) until return to their place of residence or business, (excluding voluntary workers.)
(c) Overseas for the purpose of attending an International Convention as a Delegate.

The definition of an accompanying partner for the purpose of this cover is the person who normally and regularly accompanies a Lion, Lioness or Leo to a Lions function. This policy covers an accompanying partner if she/he was injured whilst travelling to or from a Lions club social evening or Convention, even if the Lions Club has not formally adopted an auxiliary as an Official Club Activity.

The definition of a voluntary worker is the person who offers his/her services in a voluntary capacity to any Lions, Lioness or Leo club, such services being accepted by an authorised officer of the Club, or a person who is invited by a duly authorised officer or official of the club to perform services in a voluntary capacity for the club. He/she is NOT COVERED whilst travelling to or from the project.

SPECIFIC SECTIONS OF THE POLICY

Sections 1 & 2 of the Personal Accident Policy cover death or permanent disablement as defined as a result of an accident. Limited to $50,000 (unless Extra Optional Extra Sum Insured has been purchased).

Section 3 of the policy covers temporary disability of 6 or more days up to $450.00 per week (unless Extra Optional Sum Insured has been purchased.) There is no Partial Disability Benefit payable.

Section 4 covers additional expenses, not otherwise recoverable and subject to the provisions of the Health Act 1983 and subsequent amendments, are claimable up to a limit of $2,000 for any one accident. It must be stressed that recovery must first be made from any health fund, i.e. Medicare or similar fund, before this policy will respond. Funeral benefits up to a limit of $1,000 after any recovery from any other source are claimable. Under the Health Acts 1983, insurers are prohibited from reimbursing any gap shortfall.

When, as a result of injury and commencing within 30 days of sustaining such injury, the insured person is wholly, necessarily and continuously disabled and is thereby prevented from performing each and every duty pertaining to his/her regular business or occupation and is required to be under regular care and attendance of a legally qualified Medical Practitioner, other than himself/herself, the company will pay the weekly compensation for the period of such disability following the franchise period of five (5) days which shall be payable for the maximum number of weeks as stated in the schedule of compensation. The weekly compensation for temporary total disability is up to $450.00 per week for 104 weeks. (Unless the optional extra premium has been paid to increase the Weekly Benefit to $600.00 per week.)

Exclusions and General Notes

This policy shall not apply to any event, fatal or non-fatal, caused by or resulting from:

Any sickness or disease.
Directly or indirectly attributed to a person being rendered less capable than usual of taking care of himself by the taking of alcohol or drugs other than under medical supervision, or intentional self-injury or suicide.
War, invasion or civil war.
Naval, military or air force service or operation.
Childbirth, pregnancy or miscarriage.
Racing any motor propelled conveyance, including reliability trials or rallies, hang gliding, rodeos, competitive winter sports, polo, underwater diving and mountaineering, kite or glider flying.
Air travel, other than as a passenger in any properly licensed aircraft.
Voluntary workers whilst travelling to or from club projects.
Persons under the age of 15 years (unless a member of a Leo Club) and over the age of 75 years, but this Exclusion shall not apply in respect to policy Section (4) Additional Expenses. (To include members aged 76 to 85 (inclusive) for Capital and Weekly Benefits an additional premium is charged under the Optional Covers. See Section 3(a)).

This policy has been written with the knowledge of normal Lions club activities, and will not cover every hazardous activity. It does cover football, swimming, golf etc. If your club is contemplating any unusual activity, where the risk could be classified as hazardous, then it is in your club's interests to contact PDG Bob Korotcoff or a member of the Insurance Committee for an interpretation BEFORE THE EVENT.

This policy has a franchise period of five (5) days, which means that no compensation will be payable unless the certified period of disability exceeds five (5) days. An accident causing five (5) or less days certified disability will not be claimable, but a period of six (6) days or more is claimable in full.

Weekly compensation is calculated at $450 or on the basis of the injured person's average weekly earnings for the past twelve months, whichever is the less. A non-wage earner may, however, claim reasonable expenses necessarily incurred, such as a nurse or a housekeeper, up to the additional expense limit of $2,000.

Where an injured party is not in receipt of a weekly income, the policy will pay a benefit of $50.00 per week, with a limit of $500, to cover out of pocket incidental costs. Incapacity must still be certified by a Medical Practitioner.

In the event of death, the maximum benefit the Underwriters will pay to any individual injured person is the selected death benefit so that if a capital benefit has already been paid for an injury, and the injured person subsequently dies as a result of the injury, within the time specified in the policy, then the Underwriters will only pay the balance between what has been paid and the selected death benefit.

The attention of Club Secretaries is drawn to the limit of the Underwriters as follows:

Aggregate any one aircraft other than a single engine aircraft or helicopter: $3,000,000.
Single engine aircraft or helicopter: $150,000.

On the basis of $40,000 cover on any one life, this only allows for a limited number of people to be covered. If a large party from a Club or District travel on the same aircraft, it is important that the Lions Insurance Programme Consultant be informed with sufficient time for him to arrange excess cover.

Claims Procedure
The club must advise PDG Bob Korotcoff, [click here] who will notify J U A Underwriting Agency Pty Limited, as soon as practicable, ( and no later than 30 days) that an accident has occurred and he will send a special claim form to the Club Secretary for completion. If the injury is serious, it is advisable that notification is given by telephone or facsimile indicating the name of the injured person and the nature of the injuries.

Weekly benefits are not normally paid by the Underwriters until after the period of disability is completed. However, where the disability is longer than a few weeks, and the club so requests, arrangements can be made for the Underwriters to pay every four weeks upon submission of a medical certificate.

It is important that the club official who signs the claim form on behalf of the club is satisfied that the injury did in fact occur in circumstances that would be commensurable under this policy. In the event of a coronial enquiry, settlement of any loss will be withheld until the findings of the enquiry are handed down. If there is any doubt, please contact PDG Bob Korotcoff.