Participating in lifesaving activity can be risky and sometimes hazardous. During times where members are unfortunately injured during participation in authorised activities, SLSWA maintains a Personal Accident Insurance policy on behalf of members.
The purpose of the policy is to offset some of the losses a member may suffer as a result of being injured. Losses can be medical costs relating to treatment and rehabilitation, or loss of income as a result of not being able to complete occupational duties for an extended period of time. However, not unlike private health insurance SLSWA Personal Accident Policy does not provide members with 100% coverage on the potential losses and SLSWA and Clubs are unable to cover these gaps on behalf of members. Federal legislation prevents this type of payment or intervention.
As an organisation we have a strong partnership and are generously funded by FESA but are not an agency of them. As a result, we are not afforded the opportunity to be covered by Risk Cover in the same way that other volunteer member emergency service organisations, who are agencies of FESA.
The Personal Accident Policy maintained on behalf of SLSWA members is the best SLSWA can purchase on the open market. SLSWA highly recommends that members take out private health insurance and consider their personal situation, such as additional insurances, like income protection prior to undertaking authorised activities with the Club or SLSWA.
For further information regarding member Personal Accident download the attached Member Insurance Brochure or contact the SLSWA Business Services Manager, James O’Toole on 9443 9444, or via email.