Sporting injuries cover for school children

The NSW Government automatically provides free insurance to all NSW primary and secondary school children (both public and private/independent) while they are participating in school authorised sports.

This is called the Supplementary Sporting Injuries Benefits Scheme and covers serious injury and death.

Participants of certain NSW Sport and Recreation programs are also covered.

Types of injuries covered include permanent loss of use of arms, legs, sight, hearing and mental capacity. It does not cover minor injuries, like breaks, sprains, abrasions, cuts and bruises, or dental injuries.

Types of authorised school sporting activities include:

  • physical education classes
  • school lessons
  • sports carnivals
  • competitions and training

Because this scheme does not cover things like general medical expenses or dental, we recommend parents and guardians also have private health insurance if possible.

For more information you can read through our information pack call us on (02) 4321 5392, or email us at


Benefits are paid as a lump sum.  The amount depends on how serious the injury is.

For more information on the amounts we pay out, read our benefits guide.

Benefits for participants under 18 years old will be paid to the Public Trustee.

If the sporting accident is fatal, the scheme will pay for certain funeral expenses.

Benefit application process

In all cases where an injury is serious and could result in a claim for benefits, you need to first fill out the notice of serious injury or death form.

To apply for injury benefits you need to complete the injury benefits application form. You do not need to seek legal advice to apply for benefits.

To apply for death benefits for a deceased participant you need to complete the death benefits application form.

When filling out your application form you will also need:

  • a statement from an official of the school or NSW Sport and Recreation detailing the circumstances of the injury and confirming that the child was an enrolled student or a registered person doing an authorised activity
  • a statement from the applicant detailing the circumstances surrounding the injury
  • a statement from at least one witness to the injury describing the circumstances surrounding the injury
  • medical documents to support the claim (eg medical reports, hospital notes, etc)

For more information about our claims process you can phone 1800 221 960 or email

Further Information

Benefit to be refunded

Any benefit paid under this scheme must be refunded if:

  • an action for damages for death or injuries sustained is successful against the NSW Government, another Australian state or territory government, or the government of any other country
  • an action for damages for death or injuries sustained is successful against any sporting organisation
  • a benefit has been paid under any contract of insurance including a sporting organisation's player accident insurance.

Applicable legislation

The claims and benefits processes of the Supplementary Sporting Injuries Benefits Scheme are legislated under the Sporting Injuries Insurance Act 1978 as well as the Sporting Injuries Insurance Rule and the Sporting Injuries Insurance Regulation 2014