Example 1: Training Accident

John was handling a horse when he was kicked breaking his leg. He is advised he will be unable to train for 7 weeks. He contacts Gow-Gates and a claim form is obtained and a Personal Accident claim is lodged.

John earnt $65,000 in the prior 12 months. Average Weekly earnings $1,250.

As John derives an income from training he is able to claim the maximum $750 per week for his period of incapacity. The insurance also pays $2,500 as a broken bone benefit and reimburses him for medical expenses he has incurred that are not claimable under Medicare, up to the maximum benefit limit of $3,000.

• 7 Day excess period = NIL
• 6 weeks Incapacitated @ $750 p/week = $4,500
• Broken Bone Benefit 50% of $5,000 Benefit = $2,500
• Non Medicare Medical expenses = $3,000
• Total claimed = $10,000
  

Example 2: Training Accident

Whilst riding track work at her property Kim is dislodged and breaks her hip. As she is an owner hobby trainer who does not have a regular income Kim is entitled to claim a routine benefit which pays up to $600 per week for 20 weeks for her to hire replacement staff to carry out reasonable and necessary duties associated with the care of horses.

The insurance pays $3,750 as a broken bone benefit and reimburses Kim for physiotherapy costs incurred which are not claimable by Medicare:

• 7 Day excess period = NIL
• 20 weeks @ $600 per week
• Routine Benefit = $12,000
• Broken Bone Benefit 75% of $3,000 = $3,750
• Non Medicare Medical Expenses = $3,000
• Total claimed = $18,750