Benefits
|
Covered? |
Amount (up to)
|
Nuts and bolts |
| Income replacement |
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Max of $1,000 per week
|
Loss of Earnings – You are entitled to 80% of your weekly earnings upon proof, to a max of $1,000 per week for a max of 52 weeks.
A 14 day excess applies where no weekly benefit will be paid.
|
| Non-Medicare Medical costs |
|
Up to 85% (combined max of $7,500) |
Provided such expenses are not recoverable from any other source, such as Medicare or Private Health Insurance, you are entitled to 85% (combined max of $7,500) of expenses for dentist, orthodontic services prescribed by a surgeon, physiotherapist, chiropractor, osteopath, acupuncturist massage services and Occupational Therapy (NEW) after referral by a legally qualified medical practitioner. For Private Hospital Expenses there is a sub limit of $1,000.
An excess of $150 applies.
|
| Medicare "gap" |
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N/A |
Medicare Benefits Schedule (MBS) will outline what you are covered for under Medicare, and amounts not paid in full by Medicare are not claimable under this (BWA membership) insurance as governed by relevant laws of Medicare and Health Insurance. |
| My bike and accessories |
|
N/A |
Bike loss or damage is not covered unless whilst participating in a paid BWA event. For more information refer to the travel insurance benefit further below.
|
|
Overseas riding
(New Zealand)
|
|
$50,000 |
You are entitled to up to $50,000 worth of:
- Overseas Medical Expenses: emergency Medical Expenses incurred (while riding a bicycle) outside Australia, given or prescribed by a legally qualified medical practitioner and which is not recoverable from any other source.
- Repatriation Expenses: additional travel and accommodation costs incurred (due to injuries caused while riding a bicycle) for the return of an insured BWA member to Australia on the written advice of a legally qualified medical practitioner and which is not recoverable from any other source.
|
| Travel insurance on BWA events |
|
$1,000 |
You are entitled to:
- a refund of 100% up to a max of $1,000 for your loss of deposit if you are unable to participate in the BWA event.
- claim 100% up to a max of $1,000 for damaged/lost bikes, clothing, baggage and travel documents. There is a claim limit of $400 per item.
An excess of $150 applies.
|
| Travel insurance on non BWA events |
|
N/A |
For non-BWA run events, no travel insurance applies. Therefore if members are participating in rides that involve a large degree of equipment/luggage, travel and accommodation costs, be it overseas or within Australia, travel insurance might need to be considered separately and in addition to the BWA membership.
Talk to BT Risk & Insurance Brokers for assistance on specific travel insurance for riding tours/trips.
|
| Rehabilitation |
|
$10,000 |
If a BWA member is insured for both permanent injury lump sum benefit and loss of income benefit, cover applies for an additional $10,000 for costs necessarily incurred in rehabilitation provided that the rehabilitation program is prescribed by a legally qualified medical practitioner. |
| Home help expenses |
|
$5,000 |
You are entitled to $200 per week, subject to a max of $5,000. Covering recognised agency costs as well as partner/spouse costs if partner/spouse incur loss of income associated with home help.
A 7 day excess applies.
|
| Parent inconvenice expenses |
|
$5,000 |
The custodial parents of an insured BWA member are entitled to $200 per week, subject to a max of $5,000 while the insured BWA member is in hospital.
A 7 day excess applies.
|
| Chauffer plan |
|
$5,000 |
You are entitled to $200 per week, subject to a max of $5,000 if you are injured and require a taxi and/or chauffeur car to scheduled business and/or medical appointments if partially incapacitated. This must be certified by a legally qualified practitioner.
A 3 day excess applies.
|
| Home and motor vehicle modification |
|
$10,000 |
If you’re eligible for a capital benefit, you can claim an additional $10,000 for modification expenses. |
| Lump Sum Payment - Permanent injury |
|
$50,000 |
Lump sum benefits to a max of $100,000 for an injuries disablement and loss/use of senses and/or body parts. |
| Lump Sum Payment - Death |
|
$25,000 |
Your estate is entitled to claim $50,000 in the event of death of an insured BWA member. |
| Funeral Expenses |
|
$5,000 |
Up to an additional $5,000 in the event of the death of the insured BWA member for funeral costs and expenses. |
