I would suggest all sailors have a personal accident policy that covers injury while sailing. Accidents on the water do happen and unfortunately power boats frequent the waters of the Swan River and many have no idea often setting courses to sail into fleets of windsurfers and other sail craft. The best course is prevention, caution and avoidance of collisions with power boats.
Being a member of a sailing club affiliated with Australian Sailing provides, among other benefits, this insurance cover:
www.networksteadfast.com.au/industries-and-associations/sailing/personal-injury-australian-sailing-members-insurance/Death & Permanent Disablement-A lump sum benefit is payable in the event of death or a Permanent Disability. The scale of benefits is defined in the policy. The death benefit is $75,000 for members aged up to 85 years old and $10,000 for members under 18.
Non Medicare Medical Expenses Reimburses up to 100% of Non-Medicare medical expenses up to a maximum of $5,000 subject to a $50 excess. Claimable expenses are private hospital bed and theatre fee, ambulance, net of any recoveries from private health insurance. Cover is limited to expenses incurred within 12 months from the date of injury.
Physiotherapy Benefit Reimburses between 75% to 95% of costs incurred up to a maximum of $30 - $45 per visit up to a maximum of $750. Cover is limited to expenses incurred within 12 months from the date of injury.
Student Tutorial Costs Reimburses up to 80% of costs incurred up to a maximum of $300 per week for home tuition by a qualified tutor if the Injury stops the Insured Person from going to their external tutor outside the home for up to 52 weeks with a 7 day excess period.
Domestic Help Benefit Reimburses up to 80% of costs incurred up to a maximum of $300 per week for a recognised and licensed home help service if the Injury stops the Insured Person from usual and normal duties as a homemaker, sole provider for dependant children such as child-minding, cleaning, cooking, school pick up and drop offs for up to 52 weeks with a 7 day excess period.
Broken Bones-We will pay up to $5,000 any one accident. Cover only applies if the event occurs within twelve (12) calendar months of the date of Injury. Please refer to the policy wording and Certificate of Insurance for details of the cover provided and policy limits.
Dental We will pay up to $5,000 any one accident. Cover only applies if the event occurs within twelve (12) calendar months of the date of Injury. Please refer to the policy wording and Certificate of Insurance for more details of the cover provided and policy limits.
Loss of Income Weekly Benefit 100% of pre-Injury Salary, if prevented from working in your Occupation up to a maximum of $300 per week. The benefit period is 52 weeks and the excess is 7 days.
Funeral Benefit-We will pay up to an additional $10,000 for funeral expenses in the event of the death of the insured person where the death is covered by this Policy.