INSURANCE
Personal Injury Insurance
Martial Arts Club Coverage for Students
Group Martial Arts Personal Injury Insurance (Player Accident)
This extra optional cover allows students / instructors / members to gain access to cover medical expenses incurred from an injury sustained during training, without having to prove negligence by the operator via a legal process.
These policies have three categories of cover:
Medical expenses
Treatment costs after a training injury, without proving negligence.
Permanent disability
A lump sum if an injury causes permanent disability.
Loss of wages
Support for time off work while a member recovers.
Preventing Martial Arts Injuries
Preventing martial arts injuries makes sense and knowing what to do if it happens, is equally as important. As a martial arts association, we will always advocate safety first in training and that instructors / coaches know how to apply the appropriate duty of care. Being First Aid qualified and operational is important to being able to apply the most appropriate duty of care.
As most of us as martial arts instructors will know, rehabilitation can be hard work recovering and getting back into the gym / martial arts school again. It's made easier if your injured members can get some support for those costs and time off work. The quicker they are back at training the better on so many levels and we all know injured martial arts students, don't pay fees.
Why Add Player Accident Cover
Fewer drawn-out claims
Members are reimbursed quickly, without a legal process to prove negligence. That builds loyalty and an advocate for your school.
Three levels of cover
Payout limits and inclusions can be matched to the benefit you want to give your members.
Added income
Many schools pass the cost on to members at around $25–$50 per year, plus a service fee to manage the process.
How a Claim Works
A strained muscle
Free sessions with a physio, chiropractor, masseur, osteopath or naturopath, up to the policy schedule.
Surgery or a longer recovery
Loss of wages, plus reimbursement of:
- Private hospital accommodation and theatre fees
- Emergency transport
- Orthotics, splints and prosthetics for treatment
- Dental expenses
- Lump sum for permanent disability
Expenses where a Medicare benefit is payable, such as doctor consultations, public hospital fees, surgeon fees and X-rays, are not payable under this cover.
AT A GLANCE
Personal Injury Cover at a Glance
Clubs taking it up
40–45%
Only around 40–45% of martial arts clubs add player accident cover.
Levels of cover
3
Payout limits and inclusions to fit your members.
Typical member price
$25–$50
Per year, often included in the membership.
Legal action needed
None
Members claim without proving negligence.
Save on Your Premium
See video explaining how instructors can reduce their insurance premium by doing things differently. Ask our MAAIS Broker how you can save more!
Participant to Participant – Contact Sports
Personal Injury suffered by one participant caused by another participant in any sport, game, match, practice, trial or activity forming part of the Insured’s Business insured under this Policy where physical contact of any participant to participant is permissible within the rules of the sport, game, match, practice, trial or activity (including for example association football/soccer, Australian rules football, soccer, martial arts, hockey, hurling, ice hockey, lacrosse, rugby and water polo etc).
Your Right to Cancel an Insurance Policy
You can cancel this Policy by notifying Us via Your insurance broker or intermediary in writing, by email or by telephone.
Any return of Premium due to you, will be calculated at a proportional daily rate depending on how long the Policy has been in force unless You have made a Claim in which case the full annual premium is due.
How to cancel
Notify us via your insurance broker or intermediary in writing, by email or by telephone.
Your refund
Any premium due back is calculated at a proportional daily rate, unless you have made a claim. Then the full annual premium is due.
Our preferred broker
Martial Arts Australia Insurance Services
maainsuranceservices.com.au
Martial Arts Australia Insurance Services Pty Ltd ABN: 31 632 785 329 Authorised Corporate Representative No: 001283262 of United Insurance Group Pty Ltd ABN 31 131 564 522 AFSL 327131 who arrange the insurance and are not an insurer.
Martial Arts Personal Accident Insurance Policies
We have observed that the scope of cover for an Insured Person sustaining Bodily Injury will vary between each insurer's products and the various limits the policy schedule according to martial arts school owner feedback.
The martial arts insurance package will generally offer various limits on each category depending on the needs of the insured and their budget.
Get Your School Covered Properly.
Group Martial Arts Personal Injury Insurance (Player Accident)
This extra optional cover allows students / instructors / members to gain access to cover medical expenses incurred from an injury sustained during training, without having to prove negligence by the operator via a legal process.
These policies have three categories of cover - Medical expenses, permanent disability and loss of wages
Preventing martial arts injuries makes sense and knowing what to do if it happens, is equally as important. As a martial arts association, we will always advocate safety first in training and that instructors / coaches know how to apply the appropriate duty of care? Being First Aid qualified and operational is important to being able to apply the most appropriate duty of care.
As most of us as martial arts instructors will know, rehabilitation can be a hard work recovering and getting back into the gym / martial arts school again. It's made easier if your injured members can get some support for those costs and time off work. The quicker they are back at training the better on so many levels and we all know injured martial arts students, don't pay fees.
See video explaining how instructors can reduce their insurance premium by doing things differently. As our MAAIS Broker how you can save more!
Participant to Participant – Contact Sports
Personal Injury suffered by one participant caused by another participant in any sport, game, match, practice, trial or activity forming part of the Insured’s Business insured under this Policy where physical contact of any participant to participant is permissible within the rules of the sport, game, match, practice, trial or activity (including for example association football/soccer, Australian rules football, soccer, martial arts, hockey, hurling, ice hockey, lacrosse, rugby and water polo etc).
Your Right to Cancel an Insurance Policy
You can cancel this Policy by notifying Us via Your insurance broker or intermediary in writing, by email or by telephone.
Any return of Premium due to you, will be calculated at a proportional daily rate depending on how long the Policy has been in force unless You have made a Claim in which case the full annual premium is due.
Our Preferred Broker - Martial Arts Australia Insurance Services
Martial Arts Australia Insurance Services Pty Ltd ABN: 31 632 785 329 Authorised Corporate Representative No: 001283262
of
United Insurance Group Pty Ltd ABN 31 131 564 522 AFSL 327131 who arrange the insurance and are not an insurer.
Martial Arts Personal Accident Insurance Policies
We have observed that the scope of cover for an Insured Person sustaining Bodily Injury will vary between each insurer's products and the various limits the policy schedule according to martial arts school owner feedback.
The martial arts insurance package will generally offer various limits on each category depending on the needs of the insured and their budget.