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ST JOHN’S GAA CLUB PLAYER INSURANCE & PHYSIOTHERAPY GUIDELINES 2017
1. Player needs to be a fully paid up registered member of the Club to avail of the G.A.A. Injury Scheme. Closing date for membership is March 31st. Players who wish to pay their membership by direct debit over 12 months will be registered once they have completed and returned their mandate from to the Club Registrar. If for any reason the monthly payment is cancelled. The bank will contact the club and we will be advising team management that the member in question is not available for match selection until membership is paid in full.
2. Willis Insurance are the designated GAA Injury Scheme administrators
3. If player gets injured at a match, Team managers need to ensure that the referee is informed of the injury after the match and that the referee is advised to note this in his report. Team managers please report the injury to Club Secretary.
4. If player gets injured at training, he needs to inform team managers during or after training session that he got injured. If a player needs to attend a doctor or hospital they need to ensure that a Willis Claim Form is completed by attending doctor or hospital. Team managers please inform the Secretary of the injury.
5. Willis Claim forms are available to download from the http://www.gaa.ie or contact Club Secretary Sarah McNamara on 087 6442878 for a copy.
6. While visiting a doctor/hospital A&E the player needs to ensure that the Willis Claim Form is signed by the doctor or hospital. To facilitate this, the claim form needs to be filled in by the player and attending doctor/hospital as soon as possible after the injury is sustained.
7. Team managers always advise players to contact Secretary 087 6442878 if they have sustained an injury but the onus is on the player to inform and log details of his injury with the Club Secretary within 60 days from the date of the injury. Failure to log the injury will result in the claim not being processed.
8. Players with private health cover i.e. VHI/Layla/Aviva have to claim their expenses back i.e. medical or physio from their private health insurer before the GAA will consider the balance of their claim. Statements from such private health insurers will be required.
9. Should a player obtain a serious injury which could lead to them being out of work for some time. As part of your Willis application a letter will be required from the Social Welfare Department regarding your payments entitlements.
Things to note:
All players, but especially those who are self-employed, are advised to take out private personal accident insurance as:
• The maximum payment for a medical claim is €4,500.
Willis pay out only on presentation of receipts – i.e. you pay the medical costs first and then are reimbursed.
Hospitalisation costs are paid only when the period in hospital exceeds 10 days and then @ €400/day to a maximum of 15 days.
Dental expenses have the same restrictions as medical expenses.
Loss of Basic wages is compensated for up to a maximum of €200 (weeks 2 – 4) or €400 (weeks 5 – 52), less Social Welfare entitlements or in-house sick-pay benefits, per week for a maximum of 52 weeks. The first week is excluded.
• The excess €100 cost is not covered by Willis medical insurance and will not be reimbursed by the club.
Players are no longer covered for Physiotherapy under the scheme (only post-operative Physiotherapy is covered).
If the player fails to give his completed & signed medical claim form to the Club Secretary within the 60 day limit – the club does not accept any responsibility for medical costs incurred.
Transport costs for hospital appointments are not covered by the club.
• Players will only receive physio where the injury occurred training or playing for St John’s GAA and in no other circumstances, i.e. playing other sports or injured in some other capacity.
• The Club’s designated Physiotherapist for 2017 is Ray Finan. You must book your physio treatment session with the club physio via your Team manager. You cannot go to the club physio directly.
• As you can no longer claim for Physio under the Willis Insurance Scheme (only post operative physiotherapy treatment is covered) we are requesting players to please claim for physio expenses through their own health insurance as this would be a major cost saving for our Club at a time when it is badly needed.
• Physio sessions with the club physio will be paid in full by the club.
• The club physio will decide the duration of the physio treatment.
• If a player wishes to use the services of another physiotherapist he will have to pay the total treatment costs himself.
• St John’s GAA club will pay for A & E visits as a result of an injury incurred at a club match or club training session on receipt of invoices. Mouthguards must be worn for all football games, including warm ups and training as per GAA rule. Failure to do so will invalidate any insurance claims and the club will not cover any expense accruing from such injuries if the player was not wearing a gum shield.
All players need to be aware that medical expences are extremley costly and the club is not in a position to cover any costs that are not covered by the players injury fund.
PLEASE ENSURE THE ABOVE GUIDELINES ARE FOLLOWED, IF NOT YOU MAY NOT BE REIMBURSED FOR YOUR INJURY
ALWAYS REMEMBER NO RECEIPTS – NO REFUND