JLT Sport (the prefered insurer of the VCFL and all registered clubs within the VCFL) cannot insure against expenses claimable under Medicare and therefore the Stanhope Football Netball Club strongly urges all players to have their own private health insurance. We also advise that players source their own Income Protection insurance, as this is not covered under our insurance policy with JLT Sport. Injuured players will need to lodge their own claims, using the "Personal Injury Claim Form" downloadable from JLT Sport. All players are responsible for their own ambulance subscription.