Instant Cover for COVID-19

Ola has partnered with upcover to protect its drivers with affordable COVID-19 insurance cover
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What does the COVID-19 BounceBack Insurance cover?

Insurance that protects you in the event you are fully vaccinated but still contract COVID-19 and are hospitalised for more than 24 hours
$5,000 Payment

Receive a one-off payment of $5,000 paid directly to you if you are hospitalised for more than 24 hours due to COVID-19

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From buying your BounceBack Insurance to submitting a claim, the process is 100% online.

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The time of getting a quote to buying your BounceBack insurance will take you just 1 minute!

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eligibility criteria

Are you eligible?

Simply answer YES to all of these questions to be eligible

Are you aged between 18-65?

Are you an Australian or New Zealand citizen or permanent resident or hold an Australian Government Student Visa?

Are you fully vaccinated against COVID-19?

Are you not currently diagnosed with COVID-19 or have any symptoms?

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Jamie SMITH
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"I've tried many insurance companies for my business and they all asked me for long forms to be filled to get a price. upcover was able to get me a price for my business insurance in seconds."
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cover for all situations

This sports trainer insurance covers

Coaching for after-school programs
Coaching for holiday programs
Training routines
Contact sports training
One-on-one coaching
Non-contact sports training
Coaching through sports clubs
Competitions and matches played through clubs, leagues, federations and associations

This insurance covers your coaching and training services:

During school holidays
Outside of competition rosters
No limit on the number of hours you train and coach
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PROTECTS you Against

How does this insurance protect sports coaches?

upcover offers insurance that blends professional indemnity and public and product liability insurance, offering you tailored insurance solutions for sports coaches at affordable prices.

Professional Indemnity Insurance for rehabilitation counsellors (Limits up to $10m)

Professional indemnity protects you from claims made against your coaching and training business in the course of you providing your professional services.

Negligence

A young player collapses while playing netball. You’re the coach but do not administer proper first aid and CPR leading to serious health complications for the player and added stress to the family.  

Bad Professional Advice

A player was injured severely during a football league match for an A grade high school team. You suspected concussion, and knew this had occurred a number of times throughout the season, however each time you did not alert this or ensure the player left the field to properly recover and be medically assessed. This led to the parents claiming sustained short term memory loss, and difficulty learning in their final year exams.

Error of Judgment

You’re a football coach and conduct a game in a carpark rather than on the regular soccer field due to rain. A player ends up breaking their ankle from slipping over some oil. You can be sued for not playing the game at an appropriate and safe place.

Public & Products Liability insurance for sports coaches (Limits up to $20m)

Public liability insurance protects your coaching and training business against liability if someone gets injured on your premises or while you are providing your services.
Products liability insurance is for claims made against your coaching and training business for products supplied or sold by you to a third party. This might be a claim arising from a sports product or a product that injured someone.

Physical Injuries

A child gets injured while training for next season’s football season under your supervision. Turns out you were conducting the session without handing out the proper gear.

Trip, Slips & Falls

A player slips over a football that had not been cleared in the football field after a session, and fractures their ankle.

Third Party Damage

In a particularly wet season, your top team has missed three training sessions in a row. So that your players can continue to practice for the upcoming season, you arrange a new location for the group to train in a covered area. This was close to a residential area and led one student to damage an Audi that was parked nearby

claim examples
Eligible

Claire is Fully Vaccinated. Claire contracts Covid-19 and attends the emergency department where Claire is assessed and is Hospitalised. Claire’s stay in hospital is for five days. As Claire’s hospital admission was due to contracting Covid-19 and is more than 24 hours, Claire will be eligible to claim for a $5,000 Covid BounceBack Payment.

Ineligible

Jerry is Fully Vaccinated. Jerry attends the local hospital after feeling unwell. Jerry is seen by the emergency department, assessed as having contracted Covid-19 and treated and allowed to go home to recover. The total time Jerry attended hospital was 12 hours. Jerry was not Hospitalised and therefore Jerry will be ineligible to claim for a Covid BounceBack Payment.

support

Make a Claim

Had an adverse incident and want to make a claim to an award winning claims team? You can submit a claim online at any time.
Start by clicking on the link below.
Make a claim

Contact us

Give us, or our insurance partner, a call or drop us a line at any time. Our teams will endeavour to answer all enquiries within 24 hours on business days.
General Enquiries
hello@upcover.com
For questions relating to our product offering, information handling, policy coverage or anything else, please reach out here.
Cancelling your policy
support@upcover.com
You can cancel your policy at any time. Simply email us and tell us your business name, reason for cancelling, and we'll do the rest for you.
Making a compliant
COMPLAINTs@upcover.com
If you're unhappy with the service you've received by us or our insurance partner and wish to make a complaint, email us here.
If you want to reach out to the issuer of your policy, you can email ProRisk directly on enquiries@prorisk.com.au
FAQs

Commonly asked questions

What does this cover give me?

The COVID-19 BounceBack cover gives you a $5,000 instant payout if you are hospitalised with COVID-19 for 24 hours or more.

What does Fully Vaccinated mean?

At the date of commencement of this policy You have been vaccinated with the required number of COVID-19 vaccines within the time frames that has been approved by the Australian Government - Department of Health - Therapeutic Good Administration (TGA). The vaccination process has resulted with You being issued with a valid and current COVID-19 vaccination certificate by the Australian Government.

What does Hospitalised mean?

You have been admitted to hospital as an in-patient by a Registered Medical Practitioner for the treatment of COVID-19.

What are the General Exclusions?

Events where cover will not be provided include:
- Where You have not been Fully Vaccinated against the COVID-19 virus.
- Where You have been diagnosed with COVID-19 at the time of taking out the policy.
- Where You were waiting for results of COVID-19 test at the time of taking out policy or had any close contacts including family members waiting on a COVID-19 test result.
- 14 Day No Claim Period Applies - Where You are hospitalised due to COVID-19 within the first 14 days of the commencement of this policy, no claim for hospitalisation due to COVID-19 will be paid.
- Pay more than two (2) claims during the Period of Insurance.
- If the event of contracting COVID-19 is occasioned by Your deliberate act.
Please read the Policy Wording for more information about Exclusions.

Am I covered if I get COVID-19 overseas and I'm hospitalised in another country?

Yes, you will still receive your $5,000 payout if you contract COVID-19 overseas and are hospitalised in another country, so long as you meed all the requirements of the COVID-19 BounceBack Insurance.

At the time of taking out the insurance, you must meet the eligibility criteria. These are that:
- You are aged between 18-65 years old
- You are an Australian or New Zealand citizen or permanent resident
- You are fully vaccinated against COVID-19
- You are not currently diagnosed with COVID-19 or have any symptoms of COVID-19

Can I receive more than $5,000?

Yes, you can make two claims in one year of insurance. This means the total amount you may receive under the COVID-19 BounceBack insurance is $10,000 in one year of insurance. This insurance covers you for a one time payment of $5,000, and if you contract COVID-19 a second time in one year and are hospitalised for more than 24 hours again, you may be eligible for a second payment of $5,000.

What if I get COVID-19 but I'm not hospitalised?

If you are not hospitalised or are hospitalised for less than 24 hours, you will not receive the $5,000 payout.

For example, if you attend hospital because you feel unwell and are treated as having COVID-19, but are told to go home to recover, then you will not be eligible for the $5,000 payout.

Will this protect me if I work in the healthcare industry?

Yes, this insurance cover provides the $5,000 payout regardless of the industry you work in, as long as you meet the eligibility criteria, above.

Will this protect me for my business?

Yes, if you get COVID-19 while you work, regardless of your work as a beauty therapist, tradie, rideshare driver, or anything else, there would be cover as long as you meet the eligibility criteria.

Who is upcover?

upcover is an insurtech that works with the oldest insurance markets and global leaders in insurance innovation. All insurance products are underwritten by ProRisk. Our aim at upcover is to make it super easy for every day Australians to buy insurance and be well-informed about their choices.

Who is the insurer of this policy?

The product was designed and developed by ProRisk to help protect everyday Australians or New Zealanders against financial distress as a result of a period of hospitalisation for COVID-19. The product is underwritten by ProRisk on behalf of certain underwriters at Lloyd’s of London.

How do I make a claim for this policy?

Simply contact us on support@upcover.com and we will help you make a claim under the policy or submit your details here.

How do I cancel my policy?

You can cancel this policy at any time, by contacting us at support@upcover.com with your name, email, and policy number (if you have it handy).
Ola has referred you to upcover Pty Ltd (ABN 17 628 197 437). Ola may earn a commission from upcover when you purchase a business insurance policy as a result of this referral.

All insurance is underwritten by Professional Risk Underwriting Pty Ltd ABN 80 103 953 073 AFSL 308076 (“ProRisk”) On behalf of Certain Underwriters at Lloyd’s. Armada, ProRisk and upcover and their employees act as agents of of the insurers and not as your agent. Neither ProRisk, Armada or upcover act on your behalf when distributing the insurance products and services and any advice provided is general advice only and does not consider your objectives, financial situation or needs. Information provided is general advice only and has been prepared without taking into account your particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Target Market Determination available at upcover and consider whether it's appropriate before making any decisions about whether to buy a product.

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