Player Insurance Information


The purpose of this document is to supply players with critical information on the process, entitlements and expectations in relation to submitting a sports injury claim through the club's insurance arrangement.

The Process:

To begin the process, you will need to visit the below website and 'Make a Claim'.

You have the option of downloading the Personal Injury Claim form manually or submitting the Claim Online, select your preference and continue to complete the form.

Information you should have handy when completing the form:

  • Bank account details for payments (if you wish to include)
  • Private Health Insurance Information (if applicable)
  • Contact information for your Club/Centre
  • Expected time frames for returning to playing or training
  • Times and Dates of the incident that occurred

Note: You will not be able to save our claim lodgement and return at a later date.

Once complete, the form will need to be submitted to Echelon Australia (Marsh Insurance use Echelon for these sports injury claims)

Once submitted, you will receive an email that will provide you with an Online Reference Number and will have attached 3 documents:

  • Claim Form (this is a summary of the information you have completed in your claim lodgement.
  • Club Declaration (Print this out, complete this form and get it signed by a committee member of the football club)
  • Physician Declaration (Print this out, complete this form with the assistance of your doctor/surgeon/physio who is helping you with your injury.

When the Club Declaration and Physician Declaration forms are completed scan them and email them back and make reference in the email to the Online Reference Number you were provided with.

You will receive an email from Echelon acknowledging your claim. This email will provide you with your claim number that you need to reference in any further correspondence when dealing with your claim.

The next step is to collect all evidence (Invoices and Receipts) of out-of-pocket expenses incurred by you in order to submit these to Echelon so that they can be considered. Keep everything! But please note that there are items you can and cannot claim under this insurance, which will be referenced below.

Allow a few weeks for the claims to be processed and for you to be contacted back.

You will be contacted and supplied with an itemised list of claimed items, and a total of what you will get back.

However, if you do not hear anything, go to and submit a query and ensure to quote your Claim Number to speed up the process.

Expectations and Entitlements

This section advises you what to expect to get back, what you can and cannot claim and what you are covered for under the insurance.

Level of Cover: BRONZE

Excess per Claim: $100 (this is subtracted from your payout)

Reimbursement per Claim: You will be entitled to 50% of your total out of pocket expenses on eligible items

Maximum Reimbursement per Claim: $2,000

Loss of Income: No Income Protection Cover provided

Death: $100,000

Quad/Para Cover: $1,000,000

Examples of what you can Claim:

Basically, you can claim anything that has not be claimed through Medicare in the first instance. (not limited to)

  • Medication and Pharmaceuticals.
  • Equipment Hire (Crutches/braces/rehab equipment)
  • Physio
  • Chiro
  • Dental
  • Ambulance
  • Hospital Accommodation
  • Acupuncture
  • Osteopathy

Examples of what you CANNOT Claim:

Any GAP payment where you have received a reimbursement from Medicare. (not limited to)

  • Doctor's (GP) Visits
  • Anaesthetists
  • Loss of Income

Important information and disclaimers

Player 's insurance/Injury Cover:

  • Is not private health cover.
  • Is not Workers ' compensation cover.
  • Will not provide a full rebate on injury management.

It is recommended that all players have Private Health Insurance, including Ambulance cover.

It is recommended that all players (in particular, players who own their own business) have appropriate Income Protection.

Note: The information provided in the document is provided to you as a guide and is subject to change at anytime based on any changes to the insurance and insurance providers that the Perth Football League have made arrangements with.

For more information visit the following websites:

For further information/clarification on insurance please contact a member of the Club Committee.

Whitford Warriors - Players Insurance Information Sheet Last Updated: 22nd September 2021