Soccer ball on a pitch

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're participating in school authorised sports.

The Supplementary Sporting Injuries Benefits Scheme covers serious injury and death.

As with our Sporting Injuries Insurance Scheme, we cover serious injuries, such as permanent loss affecting a student’s arms, legs, sight, hearing and mental capacity.

We don’t cover minor injuries, like breaks, sprains, abrasions, cuts and bruises, or dental injuries. Because of this, we recommend parents and guardians also have private health insurance if possible.

Types of authorised school sporting activities we cover include:

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

For more information about sporting injuries cover for school children, you can contact us on 13 44 22 or at


Benefits are paid as a lump sum, with the amount payable depending on how serious the injury is. The details of the payments available are listed in our benefits guide.

If the student is under 18, we’ll pay their injury benefits to the Public Trustee.

If the sporting accident is fatal, we’ll cover certain funeral expenses.

What to do when there’s a serious injury

Any time there’s an injury that could result in a claim for benefits, you need to start by lodging the notice of serious injury or death form.

To apply for injury benefits, you and the student’s parent or guardian will need to complete the injury benefits application form. There’s no need to seek legal advice to make the application.

To apply for death benefits for a deceased child, the death benefits application form needs to be completed.

Application form should be submitted with:

  • a statement from an official of your 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, such as medical reports, hospital notes, etc.

If you want to discuss the claims process you can phone us on 13 44 22 or email us at

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 1997 and the Sporting Injuries Insurance Regulation 2014.