Guernsey Football Association PERSONAL ACCIDENT INSURANCE Adults (Age 18 and over)

Guernsey Football Association Developing Football for Everyone Football Association Rule 22 “All clubs shall be members of a Players’ personal accident scheme. The policy cover shall be at least the minimum recommended cover determined from time to time by the sanctioning Association.” Mandatory requirement with effect from the season. The Guernsey Football Association supports the Bluefin Sport, The National Game Insurance Scheme, Group personal accident insurance for adult football teams.

When does cover apply? Policies operate whilst at any ground or premises worldwide where there is an agreed fixture or training and includes travelling directly to and from such activities. In addition the policy extends to include club social events but excluding hazardous events such as fireworks, bonfires, driving events, bouncy castles, water sports, anything at a height above 3 metres from ground level. The Life Cover, which commences at attainment of 6 years of age and ceases at attainment of 50 years of age, is operative 24 hours a day 365 days a year.

Guernsey Football Association Developing Football for Everyone Who is covered? The policy automatically includes: Players (maximum age limit is 55) Committee members) Managers) Trainers) (maximum age limit is 75) Assistant referees) An extension to cover applies for persons over the maximum age limits but with reduced benefits. Schedule available from the GFA. What are the main exclusions? Other than accidents caused whilst travelling by motorcycle or injuries associated with arthritis there are few exclusions.

Guernsey Football Association Developing Football for Everyone Proposed benefits (sum assured): Accidental Death£30,000 Loss of sight in one or both eyes£30,000 Loss of one or more limbs£30,000 Loss of speech£30,000 Loss of hearing (both ears)£30,000 Loss of hearing (one ear)£ 6,250 Loss of Internal Organ£30,000 Life Cover£ 7,000 Emergency Medical Expenses£ 500 Broken Bones£ 250 Dislocations (kneecap, elbow or hip)£ 100

Guernsey Football Association Developing Football for Everyone Proposed benefits (maximum): Permanent Total Disablement (including Permanent Partial Disablement)Up to £50,000 Rehabilitation and RetrainingUp to £ 2,500 Home/Car adaption expensesUp to £10,000 Emergency Dental (following accident)Up to £ 250 Proposed benefits (weekly): Temporary Total Disablement (104 weeks after 14 days) Players£ 30 ( 52 weeks after 14 days) Club Officials£ 50 Note some benefits will not apply/be revised depending on employment status.

Guernsey Football Association Developing Football for Everyone Proposed benefits (per day): Hospitalisation (benefit period up to 30 days)£ 25 Coma Benefit (benefit period up to 365 days)£ 25 Stranger Fund: TheStranger Fund will continue to operate in its existing form with premiums based upon actual expenditure incurred as it provides useful additional and potential top up financial support. For example: Medical expenses 50% contribution to a maximum of £2,500 Physiotherapy expenses 50% contribution to a maximum of £2,500 Dental expenses 50% contribution to a maximum of £2,500 Temporary Total Disablement £100 per week to a maximum of £500

Guernsey Football Association Developing Football for Everyone Premium (per club): £ per 11 a side team £ per 5/7 a side team The premium will be collected as part of the player registration fee. Clubs will be invoiced on a per team basis for the total premium, based on the number of insured teams, and reimbursed by the GFA from registration fees. Premium (per player): £10.00 per player to be added to annual registration fee.

Thank you Developing Football for Everyone