It is encouraged that players at UoN Rugby Union Club have private health + extras cover. 

All  players must have private medical insurance and will be charged at a concession rate at The Sports Clinic. 

Players without private health insurance will be charged for the consultation (at the student concession rates, if they are full time students). 

All players MUST fill in an ARU registration form PRIOR to playing in any matches. Any unregistered players will not be permitted to participate in games until the form is completed. 

Please discuss with your team manager whether you need to fill out insurance forms with respect to specific injuries. 

The Club will not cover any injuries unrelated to Rugby. 


For all serious injuries, players are to complete the ARU Insurance Form  and have the club administrator sign the document. 

It is the players responsibility to have the insurance form completed and lodge the claim within 30 days of the injury! 

This insurance plan provides payment of 100% of Non-Medicare Medical Expenses after any reimbursement from your Private Health fund.  A $100 excess applies to each and every claim and the maximum benefit payable is $3,000. 



  1. Pay medical fees upfront 

  2. Claim all Medicare Medical Expenses from Medicare 

  3. Claim all Non-Medicare Medical Expenses from your private health fund 

  4. Submit a claim to the ARU/Gow Gates sports insurance plan (as per below) 

    Obtain a claim form: 
    -For injuries prior to 1 March 2017, please download this claim form  and follow the submission instructions listed on the form. 
    -For injuries from 1 March 2017 onwards, please download this claim form  
    -Complete the Claim Form 
    -Lodge the claim form within 30 days of the injury 
    -Lodge additional documentation as required 

  5. If you are still out of pocket following ALL of the above steps, you may be entitled to financial support from the club, where you must provide copies of all receipts/rebates. Please discuss this matter with the Director of Rugby.   

Refer to the instructions on the form or the ARU Sports Injury Claims  for more information 

Please note: Additional documentation may/may not be required by SLE in addition to the claim form (Step 4). Therefore, it is important to submit your claim form as soon as you have completed the details, within 30 days of injury, even before you have all accounts/receipts. This will ensure limited delays to the claims process.